Published decisions
8,040
Decision volume in this year-product slice
Year + product analysis
A curated public analysis of Insurance in 2025, combining annual and product-level signals from the published Financial Ombudsman decision corpus.
Page summary
8,040 published FOS decisions in Insurance during 2025, with upheld-rate context, firm concentration, complaint themes, and representative cases.
Published decisions
8,040
Decision volume in this year-product slice
Upheld rate
39.0%
3,137 upheld decisions
Latest published decision 31 Dec 2025
Published decisions
8,040
Decision volume in this year-product slice
Upheld rate
39.0%
3,137 upheld decisions
Leading firm
Aviva Insurance Limited
541 decisions
Leading complaint theme
Delay In Claim Handling
274 tagged decisions
8,040 published decisions in the corpus sit in Insurance for 2025. 39.0% of those decisions were upheld, which makes this a strong public cross-section for understanding how one product behaved in one specific year.
Aviva Insurance Limited is the most visible firm inside this year-product slice, with 541 published decisions.
Aviva Insurance Limited, Admiral Insurance (Gibraltar) Limited, U K Insurance Limited, and others are the firms most often associated with Insurance complaints in 2025. This gives a much tighter public view than the standalone year or product pages alone.
delay in claim handling, non-disclosure or misrepresentation, fraud or scam concern, 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
My final decision is that I uphold this complaint and I direct Chaucer Insurance Company Designated Activity Company to put things right as I’ve set out above. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr K and Mrs K to accept or reject my decision before 28 January 2026.
View source decisionDRN-5743119 The complaint Mrs M is unhappy that ActiveQuote Limited mis-sold her a private medical insurance policy. What happened The details of this complaint are well known to both parties, so I won’t repeat them again here. Instead, I’ll focus on giving my reasons for my decision. W... (2 pages)
View source decisionDRN-5811783 The complaint Ms K has complained about Liverpool Victoria Insurance Company Limited (LV). She isn’t happy that it recorded a claim on her policy and about her increase in premiums. What happened Ms K contacted LV as she was considering making a claim under her insurance pol... (2 pages)
View source decisionDRN-5840554 The complaint Mrs F complains that Switch Health Limited mis-sold her a private medical insurance policy. What happened Mrs F received advice from Switch Health Limited as her private medical insurance policy premiums had increased. She switched provider and took out a cheap... (2 pages)
View source decisionDRN-5847044 The complaint Mr A has complained about the way Inter Partner Assistance SA (“IPA”) handled a claim he made under his Home Emergency policy. What happened On 7 November 2024 Mr A contacted IPA due to a problem with the hot water and central heating at his property. The next ... (3 pages)
View source decision