Insurance - Motor
Claim repudiated - non-disclosure; Write-off undervaluation; Renewal premium loyalty penalty (GIPP)
Mandatory ADR
Max award: £445,000 (from 1 Apr 2025)
8 weeks firm; FOS 6 months; FSCS immediate on insolvency
Uphold rate: 34% (FOS 2024/25)
Key Legislation
Consumer Insurance (Disclosure and Representations) Act 2012; Insurance Act 2015; FCA ICOBS; Consumer Rights Act 2015 — CIDRA 2012 (all); Insurance Act 2015 s.3-8 (business); ICOBS 8; ICOBS 8.1; CRA 2015 s.62; Consumer Duty PRIN 2A
Complaint Route: Financial Ombudsman Service
Type: Ombudsman (binding on firm)
Max award: £445,000
Uphold rate: 34%
Average resolution: 180 days
Pre-conditions: Complain to firm first; firm has 8 weeks to resolve; then refer to FOS within 6 months of final response
Visit FOS websiteCompanies in This Sector
Admiral (FCA 110427)Aviva (FCA 202153)Direct Line (FCA 202771)AXA (FCA 202312)
Annual complaint volume: 305,726 (FOS 2024/25 total)
Note: Compensation range: Full claim value + D&I £200-£500; or proportionate settlement