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 £355,000.
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. Fenchurch Advocacy Services’ fees are charged at an hourly rate of £125 plus VAT, and include:
- 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.
For more information please register your interest below.
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Upcoming events
Waiver, RORs, and “Prudent Uninsureds”: what do they mean?
Jonathan Corman, a partner at Fenchurch Law, will be presenting a webinar on 25 February on the above topic.
Date: Thursday 25th February
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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We are an enthusiastic and entrepreneurial team of talented and passionate individuals, specialists in our fields. We share a vision for how a law firm can and should operate, and we are united in our commitment to delivering outstanding outcomes for our clients
Webinar – D&O: life after the pandemic
31 March 2021
Agenda This talk will provide a recap on the types of claims that directors can face and how D&O policies can respond to them. It will also examine some of the issues arising with D&O…
The Good, the Bad and the Ugly
The Good, the Bad & the Ugly: 100 cases every policyholder needs to know. #13 (The Bad). Haberdashers’ Aske’s Federation Trust & v Lakehouse Contracts
17 March 2021
Welcome to the latest in the series of blogs from Fenchurch Law: 100 cases every policyholder needs to know. An opinionated and practical guide to the most important insurance decisions relating to…
Insurers bound by the small print? I should cocoa!
9 March 2021
ABN Amro Bank N.V. -v- Royal & Sun Alliance Insurance plc and others [2021] EWHC 442 (Comm) In the latest in a line of policyholder-friendly judgments, this recent ruling from the Commercial…