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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Northern Coverage Symposium 2024
We are delighted to announce that the Northern Coverage Symposium is making its return this year. Join us on 6th June at Aspire Leeds for an insightful half-day event.
Date: 6th June 2024
Case study
International Risks
A multinational oil and shipping company in an insurance coverage dispute in relation to the theft of its cargo in Libya.
Case study
International Risks
The owner of a global luxury hotel group with locations in Dubai, Mauritius, Rwanda, South Africa, Mexico, Morocco and Australia, regarding its Covid BI losses, which exceed US$200m.
Case study
International Risks
A leading online gaming provider in a dispute over the application of deductible and aggregation provisions in its E&O insurance policy, in a claim arising from a class action in the Middle East.
Case study
International Risks
A civil works contractor, represented by our team in a coverage dispute relating to the construction of one of the world’s longest cable-stayed bridges, in Central America.
Case study
International Risks
A high-profile international cricketer in a dispute with his casualty insurer arising from injury which prevented him from participating in the Indian Premier League.
Case study
International Risks
An offshore investment fund in a coverage dispute with its D&O insurers concerning indemnity for a £30m claim by investors for alleged negligence/breach of fiduciary duties by its directors.
Case study
International Risks
The owners of a Ukrainian wind farm, pursuing a €150m claim under a political violence policy, following the Russian invasion.

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Understand how our solicitors support honest policyholders with genuine claims to ensure their claims are paid promptly and in full
We work shoulder to shoulder with insurance brokers to combine legal and commercial pressure on behalf of policyholders

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