On 9 December 2014, the UK Financial Ombudsman Service (FOS) published the latest issue of its Ombudsman News.  The case study section of the publication contains details of a travel insurance complaint.  Interestingly, while the FOS acknowledged that a strict interpretation of the 'travel delay' clause in the policy meant that the claim would not be covered; it decided that the claim should still be paid. In so finding, the FOS explained that it needed to consider whether strict application of the clause would result in a fair outcome for the claimants. The publication also contains information on the types of complaints or claims that are more likely, in its experience, to arise during the winter (or Christmas) period, e.g. following a spell of especially bad weather, building insurance claims tend to be more frequent or insurance claims on boiler breakdown cover are more likely.