If you read the thread that I referred to which you also contributed to there’s the statement from David Smith CMHC regarding that ability to go to the FOS in the event of a dispute. It can’t be any clearer. The forum that you obtained that understanding from was misinformed.
From David Smith CMHC
”
“Complaint escalation process
The following assumes that the claims negotiation does not provide the outcome that the member is satisfied with: the claimant can, if they wish, “skip” the first line and follow the rest of the process
- The member can appeal to the Clubs Senior Management responsible for Caravan Cover: they provide guidance and oversight, as is common with other areas of operation within The Club and have ultimate control on how we exercise discretion on a claims payment
- The member can claim under the Group Policy. Builders who are providing this cover for The Club have asked that we provide these services on their behalf, as this will speed up the claims process. The investigation will be undertaken by an appropriate member of The Club’s staff and a Final Response issued. This Final Response is the trigger that enables a member to take the case to the Financial Ombudsman Service (FOS).
- The member can then take the complaint to the FOS as the Builders policy puts the claim in their remit. We use the word ‘may’ because there are some circumstances where the FOS may say the complaint is outside of their remit ie a member can always refer to the FOS but the FOS doesn’t always accept them (although this is unusual). It is established practice for the FOS to accept complaints from the beneficiary of a Group Policy, as they look at who will “gain” financially from the claim.
- Builders will honour the FOS decision, having followed their normal process”
Im sure there are other insurers that can give cheaper prices but at the end of the day you only know how good they are when you need to claim. Which have a publication on insurer performance based on how claims were dealt with. But you need to subscribe to Which to read it b