3,174 published decisions in the corpus sit in Insurance (excluding PPI) for 2020. 41.8% of those decisions were upheld, which makes this a strong public cross-section for understanding how one product behaved in one specific year.

Royal & Sun Alliance Insurance Plc is the most visible firm inside this year-product slice, with 248 published decisions.

Royal & Sun Alliance Insurance Plc, UK Insurance Limited, Aviva Insurance Limited, and others are the firms most often associated with Insurance (excluding PPI) complaints in 2020. This gives a much tighter public view than the standalone year or product pages alone.

delay in claim handling, non-disclosure or misrepresentation, policy wording ambiguity, and others are the strongest complaint-theme signals in this year-product combination.

The advisory layer for Insurance (excluding PPI) points to recurring handling implications here, including review disp precedent (appears in 0.5% of cases), review icobs precedent (appears in 0.5% of cases), review insurance act 2015 precedent (appears in 0.2% of cases), and others.

There is no strong “what loses” signal exposed for this product at the current advisory granularity.