Published decisions
7,493
Decision volume in this year-product slice
Year + product analysis
A curated public analysis of Insurance in 2024, combining annual and product-level signals from the published Financial Ombudsman decision corpus.
Page summary
7,493 published FOS decisions in Insurance during 2024, with upheld-rate context, firm concentration, complaint themes, and representative cases.
Published decisions
7,493
Decision volume in this year-product slice
Upheld rate
47.3%
3,541 upheld decisions
Latest published decision 31 Dec 2024
Published decisions
7,493
Decision volume in this year-product slice
Upheld rate
47.3%
3,541 upheld decisions
Leading firm
U K Insurance Limited
475 decisions
Leading complaint theme
Delay In Claim Handling
284 tagged decisions
7,493 published decisions in the corpus sit in Insurance for 2024. 47.3% of those decisions were upheld, which makes this a strong public cross-section for understanding how one product behaved in one specific year.
U K Insurance Limited is the most visible firm inside this year-product slice, with 475 published decisions.
U K Insurance Limited, Aviva Insurance Limited, Admiral Insurance (Gibraltar) Limited, and others are the firms most often associated with Insurance complaints in 2024. This gives a much tighter public view than the standalone year or product pages alone.
delay in claim handling, fraud or scam concern, non-disclosure or misrepresentation, 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-5041242 The complaint J (a limited company) is the policyholder of a life and critical illness policy, underwritten by The Royal London Mutual Insurance Society Limited (‘the policy’). J is unhappy that The Royal London Mutual Insurance Society Limited didn’t consider a claim under... (2 pages)
View source decisionDRN-5084099 The complaint Mr O’s complaint is about the handling of a claim he made on his Royal & Sun Alliance Insurance Limited (‘RSA’) property owner’s insurance policy. Mr O says RSA treated him unfairly. What happened Mr O’s tenant made two claims against him; one for disrepair... (3 pages)
View source decisionDRN-5109736 The complaint L and D’s complaint is about a claim they made on their HSB Engineering Insurance Limited (‘HSB’) construction insurance policy, which HSB declined. L and D say that HSB treated them unfairly when declining their claim. L and D is helped by a representative in ... (3 pages)
View source decisionDRN-5128569 The complaint Ms M is a sole trader. She complains that Domestic & General Insurance Plc (D&G) unfairly declined a claim for her faulty television under her Appliance Insurance. What happened The detailed background to this complaint is well known to both parties. So... (3 pages)
View source decisionDRN-5128786 The complaint Mr L has complained that MS Amlin Insurance SE (‘MS Amlin’) offered to pay less than the insured amount in settlement of his claim following fire damage to his motorboat under his marine insurance policy.For the avoidance of doubt, the term ‘MS Amlin’ includes ... (6 pages)
View source decision