Scottish Widows Complaints
Scottish Widows performs better than most insurers for complaints.
What customers experience
Scottish Widows received 15,448 complaints in the 2025-07-01 to 2025-12-31 reporting period -- that is roughly 1.9 complaints per 1,000 policies, which is below the sector average of 7.4. Compared to other insurers, Scottish Widows receives fewer complaints per customer.
Total Complaints
15,448
In 2025-07-01 to 2025-12-31
Rate (per 1,000 policies)
1.9 →
Sector Average
7.4
per 1,000 policies
Complaints by Product
| Product ↕ | Complaints ↕ | Share |
|---|---|---|
| Decumulation & pensions | 11,143 | 72.1% |
| Investments | 2,321 | 15.0% |
| Insurance & pure protection | 1,984 | 12.8% |
How does Scottish Widows compare?
Complaint rate per 1,000 policies
Bottom Line
If you are considering Scottish Widows, their complaint record is reassuring. They perform better than most insurers and customers are less likely to need to escalate issues. That said, no company is perfect -- if something does go wrong, you have the right to complain.
About This Data
Data sourced from official UK regulators for the period 2025-07-01 to 2025-12-31. Complaint rates are calculated per 1,000 policies. Ombudsman uphold rate from the Financial Ombudsman Service. Full methodology