Financial Ombudsman Service urges couples to say "I do" to checking their wedding insurance
1 September 2026
We share what we've investigated in wedding insurance complaints and top tips to help couples.
The Financial Ombudsman Service is a free service, set up by Parliament in 2001. We investigate complaints about financial businesses – companies that provide products and services like bank accounts, credit cards and loans, insurance policies, pensions, savings and investments.
On this page, you can find out more about:
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Our purpose
Our purpose is clear. We were set up to help resolve complaints between financial businesses and their customers. We are an informal and free alternative to the courts, resolving individual disputes fairly, reasonably quickly and with minimum formality. If we decide someone has been treated unfairly, we’ll use our legal powers to put things right.
Our powers to resolve complaints
Read more about our legal powers and the rules we follow.
Read more about Our powers to resolve complaints
How we work with stakeholders
We share our knowledge and experience to help inform financial services and the handling of complaints.
Read more about How we work with stakeholders
Our customer service
Whether you're a customer with a complaint or a business handling a complaint, we aim to give you excellent customer service.
Read more about Our customer service
Our people
Our people are at the core of our ability to deliver our purpose. As well as a shared commitment to deliver exceptional customer experiences, we are committed to investing in our people, fostering collaboration, and providing support and resources to help them to thrive.
Diversity and inclusion
Treating everyone we deal with fairly and equally is central to the work we do.
Read more about Diversity and inclusion
Our values
Our values define our culture, influence our decisions and underpin our vision and strategy.
Read more about Our values
Executive team
Our Executive team is responsible for the day to day leadership and management of our service. They're accountable to our Board.
Read more about Executive team
Our Board
The Board of Directors sets the strategy for our service, makes sure we plan effectively and that we have the resources we need to work successfully and independently.
Read more about Our Board
Ombudsman panel
Appointments to the panel of ombudsmen are made under paragraphs 4 and 5 of schedule 17 of the Financial Services and Markets Act 2000.
Read more about Ombudsman panel
Our governance
The way we're governed and funded reflects our independent role. Read more about our strategic plans and budget and the standards we put in place to provide assurance and accountability for our service.
How we are governed
We are a statutory dispute resolution scheme set up under the Financial Services and Markets Act 2000 (as amended).
Read more about How we are governed
How we are funded
We are funded by a combination of annual levy and case fees.
Read more about How we are funded
Our Annual Reports and Accounts
We report every year on our progress against our strategic aims and objectives, and share our audited accounts.
Read more about Our Annual Reports and Accounts
Our Plans and Budget
Every year we consult publicly on our proposed plans and budget for the final year ahead and we publish the final plans and budget along with a summary of the feedback we received.
Read more about Our Plans and Budget
Our service standards
The standards we hold ourselves accountable to when resolving complaints.
Read more about Our service standards
Our AI principles
Our approach to the use of AI and other similar technology, including how we use AI responsibly, fairly and securely.
Read more about Our AI principles
Latest news
Financial Ombudsman outlines next phase of service reforms
11 August 2026
The new measures mark the next step in a series of reforms to streamline and modernise the complaints process.
Read more about the 'Financial Ombudsman outlines next phase of service reforms' news item
Financial Ombudsman received 53,600 cases in the first quarter of 2026/27
22 July 2026
Case levels at the Financial Ombudsman Service remained stable in the first quarter of 2026/27, newly published data showed today.
Are you a small business?
If you’re a small business (SME) and want to make a complaint to us, go to our dedicated small business website for more information about how we can help.
Need help with a claims management dispute?
We can also help with complaints about claims management companies (CMCs). If you have a complaint, or you’re a CMC dealing with a complaint, go to the Claims Management Ombudsman website for more information.