Case studies | Page 6 of 6 – Financial Ombudsman service

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Our case studies provide examples of how we've helped people, based on real-life cases.

They set out our usual approach to settling complaints about financial businesses, but are not a definitive statement of the law or our procedure.

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‘My insurer turned down my claim for a caesarean section, even though it was essential’

Jasmine made a complaint because the insurer declined her claim for a caesarean section.

Insurance Distress and inconvenience Up to £5,000 Medical Conditions

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My insurer didn't think there was a "medical necessity" to cut short my holiday

Heather's insurer agreed to pay the cost of any necessary medical treatment Heather received while abroad, but didn’t think there was any 'medical necessity' for her to curtail her holiday.

Travel Insurance Distress and inconvenience Up to £300

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Couple complain about their contents insurance after expected payment is reduced

After a burst pipe caused £50,000 of damage to their home, Daniel and Chiara complained to us about unsuitable contents cover.

Contents insurance Insurance Distress and inconvenience Up to £300

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A claim is unfairly declined due to lack of information in a careless driving case

Andrew contacted us when his insurer wouldn't cover his claim as they said he needed to prove reasonable prospects of success.

Legal Expenses Insurance Distress and inconvenience Up to £5,000

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