Which? Super-Complaint -
Insurance Industry Under Scrutiny
Has your insurer let you down?
In 2025, consumer champion Which? filed a super-complaint to the Financial Conduct Authority (FCA), demanding action against poor treatment of policyholders in the home and travel insurance markets.
The complaint exposes a pattern of slow claim handling, unclear policies, and unfair settlements — leaving many people underpaid or ignored when they need their insurer most.
“Too many people are being let down by insurers when they need them most.” — Which? 2025
What the Which? complaint revealed
According to reports from The Independent and ITIJ, Which? found widespread consumer harm, including:
❌ Delays in claim settlements and responses
❌ Low payout rates — some insurers approve just 63 % of home insurance claims
❌ Unclear exclusions that reduce or deny cover
❌ Cash offers instead of proper reinstatement or repairs
❌ Stressful, confusing claim processes
This super-complaint calls for urgent FCA action to ensure insurers are transparent, accountable, and fair.
How All Property Claims can help
If your home insurance claim has been delayed, undervalued, or rejected, All Property Claims can step in.
We are independent loss assessors — we represent you, not the insurer — and manage the entire claim on your behalf to secure a fair and full settlement.
But unlike many loss assessors, we go a step further: once your claim is approved, we also undertake the full building repairs using our trusted, qualified contractors.
That means you deal with just one team from claim to completion — no chasing multiple trades, no confusion, and complete peace of mind that the work will be completed professionally, on time, and to insurer standards.
And best of all, our service is completely free to consumers.
We’re paid directly through the insurance claim settlement — there are no upfront or hidden fees. You get professional claim management, expert reinstatement, and support throughout the process, at no cost to you.
Our services include:
- Policy review & advice – Clear explanation of your cover and entitlements.
- Claim preparation & management – We gather evidence, submit paperwork, and handle all correspondence.
- Negotiation with insurers & loss adjusters – Ensuring your settlement truly reflects the cost of reinstatement.
- Full property reinstatement – We manage and complete all approved building repairs, from minor works to full rebuilds.
- Appeals & disputes – Challenging low or unfair offers through the correct channels.
You can read more about our specialist claim services:
Why this matters now
The Which? complaint reinforces what many homeowners already experience — insurers don’t always act in your best interests.
By working with All Property Claims, you gain a professional advocate who ensures your claim is handled fairly, efficiently, and transparently.
With us, you can expect:
- Faster resolution and clear communication
- Fairer payouts that reflect true repair and rebuild costs
- Full management of paperwork, negotiation, and reinstatement
- Peace of mind knowing your interests come first
About All Property Claims
We’re one of the UK’s leading independent loss assessors, supporting property owners and landlords through every stage of the claims process.
From fire and flood to storm, escape of water, or subsidence, we’ve helped hundreds of clients recover their properties and their peace of mind — and we’ll do the same for you.
Take control of your insurance claim
If you’re facing delays, low offers, or unclear responses from your insurer, don’t wait.
Our experts can review your claim free of charge and handle everything for you — from first inspection through to full repair completion.
📞 Call us: 0203 011 2495
💬 Contact us ›
All Property Claims – Working for homeowners, not insurers.
Independent. Experienced. Free.
Contact Us Today for Property Claims Support
If you need assistance with property damage claims, don’t hesitate to get in touch. Our experienced team is ready to provide you with the support you need.
Speak with our experts and start your claim now!