Which? accuses UK home and travel insurers of widespread failures, citing high claim rejections and misleading practices, urging urgent FCA action.

Which? has filed a super-complaint with the UK’s Financial Conduct Authority, accusing the home and travel insurance markets of systemic failures including low claims acceptance rates, misleading practices, and inadequate regulatory enforcement. The consumer group highlights widespread customer distress, with thousands denied valid claims despite policy coverage, citing cases where trips were cut short or storm damage claims rejected due to minor technicalities. While car insurance claims are approved nearly universally, home and travel claims are rejected in over a third and nearly one in five cases, respectively. The FCA has 90 days to respond, following Which?’s call for urgent reforms to protect consumers and ensure accountability.