We make decisions based on what we think is fair and reasonable, accounting for the unique circumstances of each case we receive. We anonymise our decisions and write them in a way that prevents the person or small business complaining from being identified.
This database holds all the final decisions we’ve published since 1 April 2013 under the Financial Services and Markets Act 2000, as amended by the Financial Services Act 2012.
Your search returned 70 results
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Decision Reference DRN-2649445
17 May 2021 Fairmead Insurance Limited Not upheldInsuranceDRN-2649445 The complaint Mr D complains about Fairmead Insurance Limited’s proposal to deal with a subsidence claim made under his buildings insurance policy. What happened Mr D made a claim after noticing cracking at his property. Fairmead accepted a claim for subsidence. This was being ... (3 pages)View decision -
Decision Reference DRN4697373
16 Jan 2014 Folgate Insurance Company Ltd Not upheldInsurance (excluding PPI)Mr and Mrs C complained because Folgate Insurance Company Ltd proposed repairing their property without underpinning it.backgroundMr and Mrs C claimed for damage to their property. Folgate’s loss adjuster inspected the damage and concluded that it was caused by subsidence as a result... (4 pages)View decision -
Decision Reference DRN0045666
27 Dec 2018 Allianz Insurance Plc UpheldInsurance (excluding PPI)Mr T complains about the settlement of a subsidence claim by Allianz Insurance Plc. He also complains about the handling of that claim.backgroundMr T had home insurance with Allianz. In 2010, his tenant reported cracking to both the inside and outside at the front o... (5 pages)View decision -
Decision Reference DRN-2876740
27 Oct 2021 China Taiping Insurance (UK) Co Ltd UpheldInsuranceDRN-2876740 The complaint Mr G complains about the way China Taiping Insurance (UK) Co Ltd (“CTI”) has handled a claim he made for damage caused by subsidence under his commercial property insurance policy. What happened In late 2018, Mr G contacted CTI to make a claim as he’d noticed some... (9 pages)View decision -
Decision Reference DRN-2962388
9 Aug 2021 U K Insurance Limited Not upheldInsuranceDRN-2962388 The complaint Mrs E’s complaint is about a claim she made on her home insurance policy with a high street lender, which was underwritten by U K Insurance Limited (UKI) at the time of the claim. Whilst the claim was accepted, she’s not happy that UKI won’t underpin her home as p... (7 pages)View decision -
Decision Reference DRN1460004
21 Jul 2014 CIS General Insurance Limited UpheldInsurance (excluding PPI)Ms B and Mr D have complained about CIS General Insurance Limited’s handling of their subsidence claim, made on their home insurance policy.backgroundIn September 2011 Ms B and Mr D reported a subsidence claim to CIS in relation to cracks in the kitchen extension of their pr... (7 pages)View decision -
Decision Reference DRN1710334
31 Dec 2018 MCE Insurance Company Limited Not upheldInsurance (excluding PPI)Mr M complained because MCE Insurance Company Limited voided (cancelled from the start) his motorcycle insurance policy.backgroundWhen Mr M applied for his policy he was asked a number of questions. Of relevance to this complaint, he was asked where the motorcycle was k... (2 pages)View decision -
Decision Reference DRN7201166
13 Mar 2019 Legal & General Insurance Limited UpheldInsurance (excluding PPI)Ms M and Mr S are unhappy with their home insurer Legal & General Insurance Limited in respect of a subsidence claim they made to it initially in 2010 but which is still on-going.backgroundMs M and Mr S noticed cracks in their home in 2010 and contacted L&... (8 pages)View decision -
Decision Reference DRN-4154877
26 May 2023 AA Underwriting Insurance Company Limited UpheldInsuranceDRN-4154877 The complaint Mrs B has complained about her property insurer AA Underwriting Insurance Company Limited (AAU) regarding a subsidence claim. What happened Mrs B’s daughter noticed cracking in 2019 and a claim was made to AAU. An engineer’s report was completed in December 2019 w... (6 pages)View decision -
Decision Reference DRN1658485
1 Jun 2018 Royal & Sun Alliance Insurance Plc UpheldInsurance (excluding PPI)Mrs J complains as attorney for Mrs D. She is unhappy with the way that Royal & Sun Alliance Insurance Plc (RSA) has dealt with Mrs D’s claim for subsidence damage to her property.backgroundMrs J made a claim to RSA in 2014 following the discovery of cracking t... (7 pages)View decision
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