Recently bought an insurance recently . feels like this company cheated me
I’m a self‑employed personal trainer in the UK. I recently bought liability insurance from FitPro:
https://www.fitpro.com/insurance/personal-trainer-insurance/
- After payment, I got no policy documents or email for several hours. I can’t train clients in a gym without valid insurance, so this was a real issue.
- I ended up buying cover from another provider, which issued my certificate immediately.
I then tried to cancel FitPro:
- Called multiple times over several days: often no answer; when someone did answer, they promised a callback that never came.
- Emailed to cancel and request a refund: no reply.
- I was left paying for two overlapping policies.
I raised a chargeback with my credit card company. my credit card company just closed my case without trying hard . have reasoning i didn't provide cancellation form . on fitpro , there isnt any option to cancel the insurance
I feel completely let down. If something had gone wrong with a client while I was waiting on their documentation or unable to reach them, I could have been in serious trouble.
Who should I escalate to in the UK if they still don’t respond or refuse?
- Financial Ombudsman Service?
- FCA complaint?
Any tips