Insurance claim
timeline tracker
Track your insurance claim progress and know when you can escalate if your insurer is taking too long.
Typical claim timeline
Common questions
How long should an insurance claim take?
There’s no fixed legal deadline, but insurers must handle claims 'promptly and fairly'. For straightforward claims, expect a decision within 1-2 weeks. Complex claims may take longer, but insurers must keep you updated.
When can I escalate to the Financial Ombudsman?
You can escalate after 8 weeks if your complaint isn’t resolved, or immediately if you receive a 'final response' letter. The Financial Ombudsman Service is free to use.
What if my claim is rejected?
Ask for a clear explanation in writing. You have 6 months from the final response to escalate to the Financial Ombudsman. Keep all correspondence.
Track Deadlines
Know exactly when your insurer must respond.
FCA Rules
Based on Financial Conduct Authority requirements.
Escalation Guide
Know when you can escalate to the Ombudsman.
Claim taking too long?
Complain to the bank, lender or insurer first. They have eight weeks to answer. If they say no, or say nothing, the Financial Ombudsman Service reviews it for free and its decisions are binding on the firm. That is a stronger route than anything we could write.
Financial Ombudsman Service(opens in a new tab)Related
Other places this tool comes in handy.