West Lothian Insurance Services
What this means for you
Because West Lothian Insurance Services has been declared in default, you can't complain via the Financial Ombudsman Service in the normal way. Instead, eligible customers can apply to the Financial Services Compensation Scheme for compensation.
Background
West Lothian Insurance Services (FRN 311432), a UK regulated insurance intermediary, was declared in default by the Financial Services Compensation Scheme on 22 September 2016. The firm's specific product offerings cannot be determined from available records. Former customers may be entitled to FSCS compensation, though the applicable limit depends on the type of insurance product involved, with general insurance claims typically covered up to 90% of the loss with no monetary cap.
Products this firm wrote
How to claim
- Check you were a customer of this firm during the period it was regulated.
- Gather your policy / advice / contract paperwork — start with anything you have in writing.
- Identify your loss and the date it crystallised.
- Apply via the FSCS online claim portal at claims.fscs.org.uk.
- The FSCS investigation typically takes 6–18 months. They will assess eligibility, liability and quantum.