Some reviewers say claims were handled quickly and clearly, with payouts paid fast. Others report no replies, late policy documents, or claims being declined. A small number of reviews mention partial refunds or a cancellation fee during the cooling-off period. Ratings are strongly split between five-star praise and one-star complaints.
Examples from available reviews (Sep 2025 – Mar 2026).
Claim was logged and paid within three days.
“Logged a claim and was paid within 3 days.”
Very responsive, clear information and paid claim within 21 days.
“they paid out our claim within 21 days.”
Insurer didn't respond to claim after my purchase fell through.
“Haven’t heard much from them at all even with chasing”
Cancellation within cooling-off period still incurred a £25 charge.
“they charge £25 despite the policy is invalid”
Several reviews describe quick claim decisions and on-time payments, including payouts within a few days. Others describe claims being denied without resolution and emergency repairs that never happened because tradespeople did not show up. Feedback tends to fall into two groups: smooth, fast handling or long-running cases that stay unresolved.
A small set of reviews raises issues with refunds and cancellation fees during the cooling-off period. One reviewer mentions a fixed cancellation charge, and another says they received only a partial refund. These comments focus on how much money came back, not comparisons of policy prices.
Some reviewers say policy documents never arrived, or arrived later than expected. A few also mention a product being stopped without notice. Their accounts highlight frustration with admin steps and getting access to documents.
A small number of reviews say cover was refused due to underwriting or lending criteria. One review uses strong language to question the company’s motives. These comments focus on what reviewers see as a mismatch between inspection results and whether claims were accepted.
Most comments about communication mention little or no reply after a claim or enquiry. Other reviewers describe fast, clear email instructions and easy back-and-forth. Overall, feedback splits between silence and useful written guidance.
Reviews are polarized: some describe fast claims and smooth payouts, while others describe no responses or denials. This split shows up across both high and low ratings. For many reviewers, the experience comes down to how their individual claim turned out.
For each review, the core experience based on original source reviews.
Sources: Trustpilot (16) · Quotes shortened · As of: March 2026
Positive overall experience; received full refund after chasing within two days.
“within two days of my initial email I got a full refund.”
Insurer didn't respond to claim after my purchase fell through.
“Haven’t heard much from them at all even with chasing”
Made a claim after purchase fell through but received no help.
“NOWHERE,NO HELP,NO CONTACT,NOTHING.”
Policy was not provided and the company repeatedly failed to reply.
“You would never receive the policy even 10 days.”
Claim was declined for alleged forgeries and remains unresolved after months.
“they accused me of using forgeries and hence declined my claim”
Reviewer was very happy with how their claim was handled.
“Really happy with the way I was treated when I claimed.”
Claim was logged and paid within three days.
“Logged a claim and was paid within 3 days.”
Repeated claim failures and tradesmen did not attend emergency boiler repairs.
“he didn't show! leaving tenants in the cold for around 72 hours”
Insurer refused cover, citing lending criteria despite clear survey findings.
“But Oops Insurance reps said that this was just a 'lending criteria' (?)”
Responsive and quick claim handling after sellers pulled out.
“Easy to deal with and quick turn around.”
Claim handled promptly with clear email instructions and reimbursement.
“Email correspondence was prompt, very clear about what documentation I needed to provide”
Very responsive, clear information and paid claim within 21 days.
“they paid out our claim within 21 days.”
Cancellation within cooling-off period still incurred a £25 charge.
“they charge £25 despite the policy is invalid”
Reviewer claims the company prioritises money and does not provide protection.
“They are a scam company”
Gadget insurance discontinued without notification, leaving policyholders unable to claim.
“they discontinued there gadget insurance without telling us”
Refund within cooling-off period was partial, not the full premium.
“I was only refunded £53.86.”
This page combines submitted experiences with public reviews from platforms such as Google, Trustpilot, etc. Recurring points are summarised without changing the content of reviews.
Oops Insurance provides consumer cover through short-term and event-based policies. Customers take out policies and submit claims through its online systems. The company manages claim assessment, paperwork, and payouts for policyholders. Support is usually offered through email and other channels for questions and claims.