How long will my claim take?

FSCS aims to investigate your claim as quickly as possible. Each claim is unique and can involve complexity, so we can’t predict how long it’ll be before we can give you a decision.

In the table below, you can see how long it’s currently taking to complete eight out of ten claims. This is the time it takes from an application’s submission to the date we send out a decision letter.

This data includes all claims that have been completed within the past three months and was last updated 1 September 2020.

Claim type 8 out of 10 customers get their decision within
General or life insurance 10 months
Investments 3 months
Mortgage advice 2 month
Mortgage endowment 4 months
Pensions 7 months
PPI 3 months
Whole of life insurance 5 months


If you’ve made a claim, you’ll be able to see the latest status by logging into your account. You might notice that it shows as ‘evidence required’ or ‘reviewing evidence’ for quite a while.

This is because, to support your claim, most time is usually spent gathering evidence from third parties. Often, we’re waiting for information from them to complete our investigations. But we do chase them regularly to get you a decision as soon as possible.

See the latest status of your claim.

Check our compensation limits.