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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Building Liability Orders: whose fault is it anyway?
Following the first Building Liability Order made under the Building Safety Act 2022, we have asked Michael Levenstein of Gatehouse Chambers, who was instructed by the successful applicant, to join us for a discussion about how the courts are interpreting the legislation.
Date: 22nd January 2025
Advising a construction and engineering joint venture on the interpretation of a defect exclusion clause under a project CAR policy following the occurrence of damage during the construction of an underground pipeline.

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