Thank you for replying. The policy is a group policy taken out by my employer, making me a 3rd party. The ins co excluded my 3rd party rights by making it explicit in the policy. So I would only have Judicial Review and Ind Assessor if I can’t get this case re-opened. The ombudsman has ignored my emails pointing out the missing policy clause, that the ins co omitted in their "helpful" summary to FOS of the claim acceptance criteria. If they had judged the case against this clause, the Ins co had all the evidence they needed to accept my claim 2 years ago. In fact the phrases they used to justify their denial, despite being misquotes aimed at denying my claim, actually support my case when this missing policy clause is taken into account. Faced with the overwhelming evidence on my side, the Ombudsman has accepted that my claim should be accepted, but, unlike the Adjudicator, asserted that the evidence was only just in my favour, and therefore the Ins Co had done nothing wrong. Despite my proof of the ins cos misquotes and other lies, including in their appeal submission (all they had was misquotes and quotes from a person working for them who used discredited methods). So, no redress, which would have been considerable due to my resulting losses. All I am getting is “The Ombudsman’s Final Decision is Final. I am not allowed to change my Decision.”. I proved that the Ombudsman should have made a Provisional decision because he disagreed so strongly with the Adjudicator, to no avail. All but the Ins Co and the Ombudsman agree that I have a very strong case.

Vital policy clause ignored by FOS, that Ins Co had previously ignored and not sent to FOS. Urgent, can anyone help me? Policy additional explanation ignored by FOS. Does anyone know if it is possible to get a FOS Ombudsman’s Final Decision reconsidered or made Provisional without Judicial Review, when the insurance company had assessed on the wrong policy clause? I have to decide this week. The insurance company admitted just before an Ombudsman considered my case a clause that strongly helps my case. I had several times emailed FOS to point out that the policy documentation was not complete. Now just before deadline to accept/reject Final Decision, it has only just admitted to a stronger policy clause, that unambiguously means that the reason they gave for denying my claim (derived from misquotes against me) is in fact a reason for accepting it. Also the Ombudsman, without giving any reason, ignored my evidence that the Adjudicator had accepted with reasons was strong. And despite my proof that the Ins Co misquoted the written evidence I submitted, the Ombudsman supported the insurance company's evidence that the Adjudicator had stated was irrelevant and flawed. (The policy explicitly excludes my taking the insurance company to court over the claim). Thank you.