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 520 results
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Decision Reference DRN-5393659
13 Mar 2025 Markerstudy Insurance Company Limited UpheldInsuranceDRN-5393659 The complaint Miss S complains about how Markerstudy Insurance Company Limited (‘Markerstudy’) handled a claim made on her car insurance policy. What happened The events of this complaint will be well known by both parties, so I’ll only summarise briefly what happened here.... (5 pages)View decision -
Decision Reference DRN-5272852
13 Feb 2025 Financial & Legal Insurance Company Ltd Not upheldInsuranceDRN-5272852 The complaint Mr L is unhappy Financial & Legal Insurance Company Ltd turned down a claim he made on his motor legal protection insurance policy. What happened In 2023 Mr L was involved in a motorbike accident in Serbia. He sought assistance from his motor legal policy w... (2 pages)View decision -
Decision Reference DRN-5301159
31 Jan 2025 Aviva Insurance Limited Not upheldInsuranceDRN-5301159 The complaint Mr D complains that Aviva Insurance Limited (‘Aviva’) voided his motorcycle insurance policies and retained his premiums. What happened Mr D took out a motorcycle insurance policy with Aviva via a broker in September 2024. During the policy validation process,... (3 pages)View decision -
Decision Reference DRN-5248551
31 Jan 2025 U K Insurance Limited Not upheldInsuranceDRN-5248551 The complaint Miss K complains about how U K Insurance Limited (UKI).dealt with a claim under her motor insurance policy when her vehicle was in collision with a third party vehicle. Miss K is unhappy at the decision made by UKI on liability for the claim and that UKI didn’t... (5 pages)View decision -
Decision Reference DRN-5207289
22 Jan 2025 Advantage Insurance Company Limited Not upheldInsuranceDRN-5207289 The complaint Mr B complains that Advantage Insurance Company Limited settled his motorcycle theft claim on a proportional basis. What happened Mr B took out an insurance policy with Advantage to insure his motorcycle in September 2023. In March 2024, his motorcycle was unf... (5 pages)View decision -
Decision Reference DRN-5102926
18 Jan 2025 AXA Insurance UK Plc Not upheldInsuranceDRN-5102926 The complaint Miss A complains that AXA Insurance UK Plc (“AXA”) unfairly declined a claim for fire damage to her contents. What happened Miss A holds a landlord’s insurance policy with AXA. In June 2023, there was a fire in the garage at the property. The garage structure i... (3 pages)View decision -
Decision Reference DRN-5203765
15 Jan 2025 Ageas Insurance Limited Not upheldInsuranceDRN-5203765 The complaint Mr C complains about how Ageas Insurance Limited (Ageas) dealt with a claim under his motor insurance policy for the theft of his motorcycle. References to Ageas in this decision include their agents. This decision covers Mr C’s complaint to this Service in S... (3 pages)View decision -
Decision Reference DRN-5257979
15 Jan 2025 Carole Nash Insurance Consultants Ltd Not upheldInsuranceDRN-5257979 The complaint Mr C complains about how his broker, Carole Nash Insurance Consultants Ltd trading as Express Insurance Service (Express) sold a motor insurance policy for his motorcycle. References to Express in this decision include their agents. This decision covers Mr C’... (4 pages)View decision -
Decision Reference DRN-5220868
13 Jan 2025 Accredited Insurance (Europe) Ltd Not upheldInsuranceDRN-5220868 The complaint Ms J complains that Accredited Insurance (Europe) Limited (Accredited Insurance) unfairly avoided her motor insurance policy (treated it like it never existed) and refused to pay her claim. What happened Ms J took out a motor insurance policy with Accredited I... (3 pages)View decision -
Decision Reference DRN-5167827
9 Jan 2025 AXA Versicherung Aktiengesellschaft Not upheldInsuranceDRN-5167827 The complaint Miss B and Mr W have complained about the settlement of a claim under their removals insurance policy with AXA Versicherung Aktiengesellschaft. What happened Miss B and Mr W took out the cover with AXA for their goods being transported overseas. Some of the ite... (5 pages)View decision