FOS - Eligible Work
Fenchurch Advocacy Services offers a non-legal service to assist Policyholders with insurance coverage disputes that may be eligible for referral to the Financial Ombudsman Service (FOS). In general terms this will include disputes from consumers, micro enterprises and SME businesses, where the value of the dispute is less than £425,000.
There are three main pathways to try and achieve a resolution to the majority of insurance disputes:
- Appealing directly to the insurer to challenge their position, sometimes linked with a formal complaint in accordance with the complaints procedure in the policy wording;
- Referring the case to the FOS;
- Engaging the services of a lawyer.
The first two of these pathways are a no-cost option for policyholders, but some consumers and businesses prefer to seek advice on their position and/or constructing their arguments before challenging their insurer or referring their case to the FOS.
The third involves incurring legal fees, and those fees are frequently disproportionate to claims which are eligible for the FOS.
Fenchurch Advocacy Services is offering policyholders a cost-effective solution to assist with claims disputes on the first and second pathways. This is a non-legal service, undertaken by an ACII qualified Chartered Insurance Practitioner, under the supervision of experienced solicitors from Fenchurch Law’s market leading insurance disputes team, and includes:
- Undertaking a review of the policyholder’s case;
- Advising on prospects of success;
- Challenging the insurer’s position (if there are good prospects of success);
- Referring the case into the FOS when appropriate.
In the event that it is not possible to achieve a resolution to the policyholder’s insurance dispute following referral to the FOS, we can at that stage review whether the case is suitable for referral to a specialist insurance lawyer from the Fenchurch Law team.
If you would like more information on this service and our charges, please contact our Insurance Consultant Phil Taylor at phil.taylor@fenchurchlaw.co.uk, or register your interest below:
Register your interest
Call us on +44 (0)20 3058 3070
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The Anatomy of an Insurance Dispute (Webinar)
Fenchurch Law & Saxe Doernberger & Vita, P.C. (SDV) are pleased to invite you to our upcoming joint webinar, exploring how insurance disputes are resolved across the U.S. and the U.K.
Join us for a live discussion on the anatomy of an insurance dispute on both sides of the Atlantic, and discover what lessons policyholders and practitioners can draw from each approach.
Date: 3 March 2026
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