On 23 September 2014, the UK Financial Ombudsman Service (FOS) published the latest issue of its Ombudsman News. This issue looks at two areas which are frequently the subject of FOS complaints, i.e. (a) exclusions in travel insurance policies related to alcohol consumption and (b) denial of motor theft claims. A number of case studies are also included. The core message in relation to travel insurance is that the FOS expects a high standard of proof from an insurer which claims that alcohol exclusion has been triggered. For motor theft claims, the focus is on exclusions in relation to keys being left in vehicles and vehicles being left unlocked and unattended. The FOS reports that approximately 40% of theft claims have been wrongly rejected by insurers.