Not upheld: claims handling - dispute over repair quality and unrepaired damage complaint against Advantage Insurance Company Limited
Financial Ombudsman decision DRN-6338987 of 2026-05-06T00:00:00+00:00. claims handling - dispute over repair quality and unrepaired damage complaint against Advantage Insurance Company Limited. Outcome: Not upheld.
Decision detail
| Reference | DRN-6338987 |
|---|---|
| Decision date | 2026-05-06T00:00:00+00:00 |
| Firm | Advantage Insurance Company Limited |
| Product | insurance |
| Claim type | claims handling - dispute over repair quality and unrepaired damage |
| Outcome | Not upheld |
| Remedy | None. No remedy was ordered or recommended. |
Summary
Mr W complained about repairs completed by Advantage Insurance to his commercial van following an accident claim. He believed there was unrepaired damage, specifically with the steering/suspension. Advantage arranged multiple inspections and a road test, all of which found no issues. The ombudsman found that Advantage had acted fairly and reasonably, as they had investigated the concerns thoroughly and offered to cover costs for further manufacturer inspection if an issue was confirmed. The complaint was not upheld.
The Ombudsman's reasoning
The ombudsman considered whether Advantage acted promptly and fairly in handling the claim under FCA rules. Advantage had arranged inspections and road tests which found no issues. Mr W provided no independent evidence of faults. The ombudsman found Advantage's offer to cover inspection costs if a manufacturer inspection confirmed an issue to be fair and reasonable. Therefore, Advantage had not acted unfairly or unreasonably.
How this compares
| Group | Decisions | Uphold rate |
|---|---|---|
| Advantage Insurance Company Limited, all decisions | 1,756 | 40% |
Source
Read the original decision on the Financial Ombudsman Service website