Insurers win 90% of car and home insurance complaints lodged with the National Financial Ombud

Why? Not because the Ombud is in bed with the insurers as many assume. Because many consumers didn’t fully grasp what they were and weren’t covered for, or hadn’t met their side of the policy in terms of the security or maintenance conditions. So don’t wait for a claim to find out that you were never going to win with an insurance claim. Dig out your policy and actually read the exclusions and the conditions. And if your claim is rejected, or you’re offered a too-low payout, don’t just accept it. Take it to the ombud. It’s a free service.