Published decisions
7,878
Decision volume in this year-product slice
Year + product analysis
A curated public analysis of Insurance in 2023, combining annual and product-level signals from the published Financial Ombudsman decision corpus.
Page summary
7,878 published FOS decisions in Insurance during 2023, with upheld-rate context, firm concentration, complaint themes, and representative cases.
Published decisions
7,878
Decision volume in this year-product slice
Upheld rate
46.6%
3,671 upheld decisions
Latest published decision 31 Dec 2023
Published decisions
7,878
Decision volume in this year-product slice
Upheld rate
46.6%
3,671 upheld decisions
Leading firm
Admiral Insurance (Gibraltar) Limited
449 decisions
Leading complaint theme
Delay In Claim Handling
327 tagged decisions
7,878 published decisions in the corpus sit in Insurance for 2023. 46.6% of those decisions were upheld, which makes this a strong public cross-section for understanding how one product behaved in one specific year.
Admiral Insurance (Gibraltar) Limited is the most visible firm inside this year-product slice, with 449 published decisions.
Admiral Insurance (Gibraltar) Limited, U K Insurance Limited, Aviva Insurance Limited, and others are the firms most often associated with Insurance complaints in 2023. This gives a much tighter public view than the standalone year or product pages alone.
delay in claim handling, fraud or scam concern, communication failure, and others are the strongest complaint-theme signals in this year-product combination.
The advisory layer for Insurance points to recurring handling implications here, including review consumer credit act 1974 precedent (appears in 1.3% of cases), review section 140a cca precedent (appears in 1.1% of cases), review disp precedent (appears in 0.3% of cases), and others.
There is no strong “what loses” signal exposed for this product at the current advisory granularity.
Representative cases
5 examples shown
DRN-4252150 The complaint Mr J complains about QIC Europe Ltd’s (“QIC”) decision not to consider his claim further under his home insurance policy. He also complains about their delay when initially handling the claim and about them not preventing his laptop from being disposed of by their... (5 pages)
View source decisionDRN-4497678 The complaint Mr T complains about the service received from Admiral Insurance (Gibraltar) Limited (“Admiral”) following a breakdown and a claim made against his roadside assistance insurance policy. What happened Mr T says, following a breakdown, he called Admiral to claim und... (3 pages)
View source decisionDRN-4211442 The complaint Miss R is unhappy HSBC Life (UK) Limited continued to decline her claim following additional medical evidence. What happened Miss R has a history of illness. She became absent from work in July 2020 due to anxiety and stress and made a claim on her income protecti... (3 pages)
View source decisionDRN-4405879 The complaint Mrs C complains Great Lakes Insurance SE provided a poor level of service and caused delays and distress following her fracturing her leg abroad. In this decision my references to Great Lakes shall include its agents. What happened Mrs C held a travel insurance po... (4 pages)
View source decisionDRN-4406163 The complaint Company T has complained about Amtrust Europe Limited. It isn’t happy that Amtrust wouldn’t deal with a claim under its legal expenses insurance policy. For ease of reading any reference to Amtrust includes their agents. What happened T made a claim under its lega... (2 pages)
View source decision