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The Financial Ombudsman Service (FOS) is an independent service set up to help settle individual disputes between consumers and financial companies. The service is confidential and free to consumers, but you must complain to the company first before the FOS can look at your case. If you are unable to resolve your grievance with the company directly, then you should seek advice from the FOS.

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You do not have to accept any decision the FOS makes but if you do accept an ombudsman's decision, it is binding on both you and the company.

The Financial Conduct Authority (FCA) is an independent body that regulates the financial services industry in the UK, including insurance. .