Published decisions
1,241
Decision volume in this year-product slice
Year + product analysis
Insurance complaints in 2026
A curated public analysis of Insurance in 2026, combining annual and product-level signals from the published Financial Ombudsman decision corpus.
Upheld rate
30.9%
384 upheld decisions
Page summary
1,241 published FOS decisions in Insurance during 2026, with upheld-rate context, firm concentration, complaint themes, and representative cases.
Published decisions
1,241
Decision volume in this year-product slice
Upheld rate
30.9%
384 upheld decisions
Latest published decision 28 Jul 2026
How to use this page
Read the metrics first, then the ranked view.
The top-line cards show scale and outcome context. The ranked view and representative decisions show where the slice is concentrated and what the published decision set actually looks like.
Published decisions
1,241
Decision volume in this year-product slice
Upheld rate
30.9%
384 upheld decisions
Leading firm
Admiral Insurance (Gibraltar) Limited
89 decisions
Leading complaint theme
Delay In Claim Handling
396 tagged decisions
Insurance in 2026
Analysis1,241 published decisions in the corpus sit in Insurance for 2026. 30.9% 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 89 published decisions.
- 2026: 1,241 decisions, 30.9% upheld
- Leading complaint theme: Delay In Claim Handling
- Leading precedent signal: Icobs
Firm concentration and issue profile
AnalysisAdmiral Insurance (Gibraltar) Limited, Aviva Insurance Limited, U K Insurance Limited, and others are the firms most often associated with Insurance complaints in 2026. This gives a much tighter public view than the standalone year or product pages alone.
delay in claim handling, policy wording ambiguity, non-disclosure or misrepresentation, and others are the strongest complaint-theme signals in this year-product combination.
- Admiral Insurance (Gibraltar) Limited: 89 decisions, 30.3% upheld
- Aviva Insurance Limited: 87 decisions, 27.6% upheld
- U K Insurance Limited: 72 decisions, 31.9% upheld
- AXA Insurance UK Plc: 46 decisions, 32.6% upheld
- Liverpool Victoria Insurance Company Limited: 46 decisions, 37.0% upheld
Handling implications and precedent context
AnalysisThe 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.
- Leading complaint theme: Delay In Claim Handling
Representative cases
Recent published decisions in this slice
5 examples shown
DRN-613785928 Jul 2026Not upheld
First Central Underwriting Limited · Insurance
I don’t uphold this complaint. I don’t make any award against First Central Underwriting Limited.
View source decisionDRN-613864128 Jul 2026Upheld
Assurant General Insurance Limited · Insurance
I uphold this complaint and require Assurant General Insurance Limited to: • Accept Mr S’ claim in line with the remaining policy terms, and • Pay Mr S £100 in compensation for the distress and inconvenience it caused him by its unfair claim handling, and • Immediately remove Mr S’ name from internal and/or external fraud registers if it put his name on those registers as a result of this claim. Under the rules o...
View source decisionDRN-615231328 Jul 2026Not upheld
Lloyds Bank General Insurance Limited · Insurance
My final decision is that I do not uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr B to accept or reject my decision before 25 August 2026.
View source decisionDRN-620902728 Jul 2026Not upheld
Society of Lloyd's · Insurance
For the reasons I have given, it is my final decision that this complaint is not upheld. Under the rules of the Financial Ombudsman Service, I’m required to ask Mrs R to accept or reject my decision before 25 August 2026.
View source decisionDRN-621884428 Jul 2026Not upheld
BUPA Insurance Limited · Insurance
For the reasons I’ve given above, my final decision is that I don’t uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Miss C to accept or reject my decision before 25 August 2026.
View source decision