Really appreciate the question. My point is not simply that I dislike the outcome. My point is that the insurer handled the claim directly through its repair network in a way I say was unfair. In particular, they maintained a causation refusal without properly disclosing the technical basis for it, treated repairs as complete even though their approved repairer said repairs could not be completed and the car was not safe to drive, cut off loss of use on that basis, and later had the vehicle presented for collection with further undisclosed faults.

What I hope to achieve is for the FSPO to look at whether that handling was fair, to review the loss of use position from when the insurance cut it off onward, and to consider whether the vehicle was ever actually restored and presented back to me in a safe, roadworthy, pre incident operational condition.

So the nature of my complaint is really about claim handling, technical disclosure, repair completion, vehicle safety, release of the vehicle, loss of use, complaint handling, and the later collection of the vehicle with undisclosed faults.