Motor (car and motorcycle) insurance is consistently the most complained-about insurance product in the UK, accounting for over 30% of all general insurance complaints referred to the Financial Ombudsman Service (FOS). The primary issues driving these complaints relate to claims handling, specifically regarding delays, valuation of vehicles, and fault disputes.
The largest number of insurance complaints received related to motor insurance (754 complaints), followed by private health insurance (247 complaints) and then travel insurance (216 complaints).
Starting with the worst offenders, they are:
The car caught fire and the vehicle was almost completely destroyed, ultimately requiring a year to be repaired, leading to an insurance payout of £910,000, by far the largest single car insurance payout in British history.
Insurance companies with high denial rates vary by insurance type (health vs. home), but recent reports highlight UnitedHealthcare, AvMed (health), and Farm Bureau Property & Casualty, Farmers Insurance (home) as having significant denials, often due to documentation issues or coverage gaps, though comprehensive public data on all private plans is limited. For ACA health plans, Oscar Health, Molina Healthcare, and Ambetter showed high rates, while Blue Cross Blue Shield of Alabama led large ACA insurers.
List of the top 10 life insurance companies in the UK:
Contact your claims company, the Financial Ombudsman Service, or the Financial Conduct Authority ( FCA ) to make a complaint.
Premium Diversion. As the most common type of insurance fraud, premium diversion is when someone, such as an insurance agent, embezzles insurance premiums. Often the agent will keep the premium money rather than sending it on to the underwriter.
10 Most Common Customer Complaints and How to Solve Them
Here are what some consider to be the ten worst insurance companies in the United States.
Appointment of insurance agents. --(1) An insurer may appoint any person to act as insurance agent for the purpose of soliciting and procuring insurance business: Provided that such person does not suffer from any of the disqualifications mentioned in sub-section (3).
Here are your options if this happens to you:
Report a business to Trading Standards
We'll pass your report to Trading Standards and we can also give you advice about your problem. You can also use our online form from 5pm on Fridays to 9am on Mondays. If you contact us using the online form, we'll get back to you within 5 days.
How long does it take to investigate a car insurance claim in the UK? It depends on how complex the case is. Generally, insurance companies must acknowledge a car insurance claim within 21 days. After that, they have up to 3 months to investigate and decide on liability.
The 3 C's of Customer Satisfaction are: 1️⃣ Commitment – Providing consistent, high-quality service that meets or exceeds expectations. 2️⃣ Communication – Ensuring clear, transparent, and timely interactions with customers. 3️⃣ Consistency – Delivering a seamless and uniform customer experience across all touchpoints.
Aon is the UK's largest insurance company by size, measured through market value. It is best known as a global insurance broker, helping businesses manage risks and find coverage. Strengths: Market Value: $77.89 billion.
Aviva, rated 4.3 out of 5 stars by our editors, is superior to Admiral for the following notable reasons: With one policy, you're guaranteed a minimum standard of cover. Stereo and satellite nav (higher cover for aftermarket additions up to value of car, as long as permanently fitted)