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:

  1. 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;
  2. Referring the case to the FOS;
  3. 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.

Register your interest

    Your details:

    Call us on +44 (020) 3058 3070 for a no-obligation chat

    You may also be interested in:

    Image of Fenchurch Law Brochure Cover

    Specialist

    Our practice groups

    Our people

    Our clients and their brokers draw confidence from the quality of the Fenchurch Law team.

    Ask us for free

    Please let us have brief details about your enquiry or call us today on +44 (0)20 3058 3070

      Fenchurch Law Awards testimonials

      Awards and testimonials

      Understand how others view Fenchurch Law

      More

      Upcoming events

      London Coverage Symposium

      Join us at our Bristol Coverage Symposium on 23rd September for a series of short topical sessions on a variety of coverage issues. This event is aimed at providing brokers with information on common coverage problems and tips on how to avoid them arising.

      Date: Thursday 23rd September

      More
      Fenchurch Law Lloyds Building

      Our approach

      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

      More
      Fenchurch Law Our Culture

      Our culture and values

      Freedom and responsibility are at the heart of the unique culture of our law firm

      At Fenchurch Law, we are building a strong and successful business with a unique culture

      More
      Fenchurch Law Join us

      Join us

      Interested in joining our growing team of talented and specialist insurance dispute solicitors?

      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

      More

      (De)sign of the Times: Blurred Lines on Build Performance Liabilities

      Design requirements are at the heart of any construction contract, and the precise formulation of applicable standards is crucial to evaluation of risk. Recent trends indicate that designers in the…

      More

      Covid-19 BI Update: Denial of Access – Access Granted?

      “I doubt whether the Divisional Court could or would have taken the approach it did, had it had the benefit of the Supreme Court’s reasoning on causation.” Lord Mance The latest Covid-19 BI decision…

      More

      Latest aggregation decision

      In what will be a relief both to the victims of dishonest solicitor Linda Box (pictured, and christened by the press the "Gangsta Granny") and to her innocent partners in the former firm of Dixon…

      More