Published decisions
1,460
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
30.8%
449 upheld decisions
Page summary
1,460 published FOS decisions in Insurance during 2026, with upheld-rate context, firm concentration, complaint themes, and representative cases.
Published decisions
1,460
Decision volume in this year-product slice
Upheld rate
30.8%
449 upheld decisions
Latest published decision 18 Aug 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
1,460
Decision volume in this year-product slice
Upheld rate
30.8%
449 upheld decisions
Leading firm
Admiral Insurance (Gibraltar) Limited
115 decisions
Leading complaint theme
Delay In Claim Handling
467 tagged decisions
Insurance in 2026
Analysis1,460 published decisions in the corpus sit in Insurance for 2026. 30.8% 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 115 published decisions.
- 2026: 1,460 decisions, 30.8% 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: 115 decisions, 27.8% upheld
- Aviva Insurance Limited: 103 decisions, 28.2% upheld
- U K Insurance Limited: 84 decisions, 32.1% upheld
- AXA Insurance UK Plc: 50 decisions, 32.0% upheld
- Liverpool Victoria Insurance Company Limited: 50 decisions, 34.0% 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-604249418 Aug 2026Not upheld
Alwyn Insurance Company Limited · Insurance
For the reasons given above, I don’t require Alwyn Insurance Company Limited to settle Mr D’s claim. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr D to accept or reject my decision before 15 September 2026.
View source decisionDRN-618952918 Aug 2026Upheld
Zurich Insurance Company Ltd · Insurance
I uphold this complaint. Zurich Insurance Company Limited should pay Miss O £750.
View source decisionDRN-619725518 Aug 2026Not upheld
Aviva Insurance Limited · Insurance
I do not uphold the complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask T to accept or reject my decision before 15 September 2026.
View source decisionDRN-620972518 Aug 2026Upheld
Vitality Health Limited · Insurance
For the reasons I’ve given, it’s my final decision that I uphold this complaint and direct Vitality Health Limited to pay Mr W £150. Vitality Health Limited must pay the compensation within 28 days of the date on which we tell it Mr W accepts my final decision.
View source decisionDRN-624231918 Aug 2026Not upheld
Accredited Insurance (Europe) Ltd · Insurance
For the reasons I’ve given, my final decision is that I don’t uphold Mrs and Mr L’s complaint about Accredited Insurance (Europe) Limited. Under the rules of the Financial Ombudsman Service, I’m required to ask Mrs L and Mr L to accept or reject my decision before 15 September 2026.
View source decision