Reviews show a clear divide: several customers experienced quick, well-documented claim payments and clear email guidance, while a larger group report denied or delayed claims, poor contact and issues with refunds. Common concrete points in reviews include prompt payouts (examples: three-day and 21-day reimbursements) and recurring complaints about a £25 cancellation/admin charge and missing policy documents. Prospective customers should check cooling-off, cancellation and documentation requirements before buying and keep records of correspondence and claim submissions. If a claim is disputed or delayed, escalate via formal complaints procedures and consider external dispute resolution if unresolved.
Examples from available reviews (Sep 2025 – Feb 2026).
Claim was declined for alleged forgeries and remains unresolved after months.
“they accused me of using forgeries and hence declined my claim”
Claim was logged and paid within three days.
“Logged a claim and was paid within 3 days.”
Policy was not provided and the company repeatedly failed to reply.
“You would never receive the policy even 10 days.”
Claim handled promptly with clear email instructions and reimbursement.
“Email correspondence was prompt, very clear about what documentation I needed to provide”
Many reviewers describe poor claim handling: delayed decisions, denied claims and missed contractor appointments; a minority report quick, helpful payouts.
Multiple customers report losing money to cancellation or admin fees and withheld refunds; several say they received no payout, calling coverage poor value.
Frequent reports of not receiving policies, slow responses and confusing processes; other reviewers describe simple, prompt claim procedures and clear instructions.
Some reviewers say policies failed to cover expected issues or were discontinued; others report timely reimbursements and successful claim outcomes.
Several reviewers report little or no reply when chasing claims; other reviewers highlight prompt, clear email correspondence and responsive staff.
Reviewer experiences are split but lean negative: a number report unresolved claims and poor service, while a minority report quick, satisfactory claims.
For each review, the core experience based on original source reviews.
Sources: Trustpilot (16) · Quotes shortened · As of: February 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 is a UK consumer insurance provider offering short-term products referenced by reviewers, including homebuyer protection, gadget cover and buy-to-let related policies. People searching reviews typically look for information on claims handling, cancellation terms and payout speed when comparing short-term insurance options.