UK travel insurance claim rejected: when can I go to the Financial Ombudsman?

First make a formal complaint to the insurer or broker. The Financial Ombudsman Service says that if you are unhappy with the final response, or the firm has not sent one within 8 weeks, you can usually ask the Ombudsman to review the complaint. Keep the policy terms, claim evidence and final-response letter. Official source: Financial Ombudsman Service. Guide: https://getinstantlaw.com/travel-insurance-claims-disputes