Winterthur Life FSAVC Claim

Have you ever had an FSAVC with Winterthur Life?

Our biggest FSAVC win with Winterthur Life is £25,047.35

Our average FSAVC win with Winterthur Life is £4,419.56

If you answered yes to the above question there is a chance that your Winterthur Life FSAVC policy was mis-sold and you could be due compensation.


What is an FSAVC?

An FSAVC (Free Standing Additional Voluntary Contribution) is a separate, additional pension plan away from your employer's pension. They were set up for people that wanted to put extra money away for their retirement.

Unfortunately, the way these FSAVCs were arranged, meant that the plan holder lost a lot of investment value in their pensions due to the high charges involved.

Want us to call you back?









How do I know if I was mis-sold a Winterthur Life FSAVC policy?

Alternatives to the FSAVC were not discussed

There were a number of different options to consider when it came to making additional contributions in relation to your pension.

Many advisors did not discuss all the options with the consumer, often not giving them enough information about other options that may have been more beneficial.

Were you planning to stay with the same employer until retirement?

Many consumers who were sold an FSAVC were planning on remaining with their employer until retirement and did not require a portable pension product.

All employers that offered a final salary pension scheme offered an in house alternative that would have been more suitable for many consumers.

Your attitude to risk was not assessed

Many advisors did not take into account the level of experience consumers had.

An FSAVC may potentially have high returns but often comes with increased risk that didn’t match the attitude of the customer.

Were you told about the lack of flexibility?

The excessive transfer penalties with the FSAVC meant many consumers could not transfer the policy.

Many advisors did not discuss the high transfer penalties within the product.


If you were sold an FSAVC policy, you could be eligible for:

Compensation to pay back the money you lost and put you in the position you would be in if you had been sold the additional contribution plan in the first place.

The compensation will often include increasing the annuity payment to retired consumers.

Additional interest can often be added to any loss suffered.

This is all possible even if you have retired and are now in receipt of your annuity or you have no paperwork.

We have specialist teams that can also win cases where you have been told you are ‘out of time’ or the firm that sold the FSAVC are no longer in business.

You do not need to use a CMC to make a complaint to a provider or other compensation scheme, such as the Financial Services Compensation Scheme (FSCS). If your complaint is not successful you can refer it to the Financial Ombudsman Service (FOS) yourself fee free.


Why Choose Us?

No Upfront Fees

It IS Your Money will never charge you a penny to set up a complaint.

No Win, No Fee

If we don’t win you anything, we don’t charge you anything.

No hidden charges

Unlike other companies we have no extra costs we’re not telling you about.

High success rate

We have a very high success rate spread across many thousand happy customers.

Fast turnaround

We want to win your claim, fast. We don’t get paid until you’ve been paid.

Proven track record

Our experience goes a long way, we’ve won thousands of cases in our time.

Small company

We offer a bespoke service with no hold music and a person on the phone within seconds.

View testimonials

Still not too sure? See what our previous customers have said about us.

Choose how we talk

We can speak on your terms, whether that's email, phone, text or letter.


We claim against the following FSAVC providers plus many others

Abbey Life | Abbey National Life | Aegon | Alba Life Limited | Albany Life | Alliance & Leicester | Allied Dunbar Assurance | American Life Insurance | Aviva | Axa | AXA Equity & Law | Axa Sun Life | AXA Wealth | Bank of Scotland | Barclays | Barclays Bank | Barclays Life | Barclays Wealth | Blackhorse Life | Bradford & Bingley | Britannia Life | Britannic Assurance | Canada Life | Cannon Lincoln | Century Life | CIS | City Financial | City of Westminster Assurance | Clerical Medical | Co-Op Savings & Insurance Services | Co-Operative Insurance Services | Colonial Mutual | Combined Life Assurance | Commercial Union Life Assurance | Cornhill Insurance | Countrywide Assured | Crusader Insurance | Eagle Star | Ecclesiastical Insurance | Equitable Life Assurance Society | Forester Life | Friends Life | Friends Provident | Future First Financial Solutions Ltd | GE Life | General Accident | Guardian Financial Services | Halifax | Hambro Assured Services | HBOS | Hill Samuel Life | HSBC | HSBC Wealth | Imperial Life | Irish Life Assurance | Laurentian Life | Legal & General | Liberty Life | Life Association of Scotland | Lincoln Financial | Lincoln National | Liverpool Victoria | Lloyds | Lloyds Bank | Lloyds TSB Life Assurance | London & Manchester | London Life Limited | LV | Manchester Unity Assurance | Manulife | Marine & General | Medical Sickness Society | Merchant Investors Assurance | MGM Assurance | National Mutual Life | National Mutual Life Association of Australasia | National Mutual Life Assurance | National Provincial | Natwest | Northern Rock | Norwich Union | Old Mutual | Pearl Assurance | Phoenix Life | Pioneer Mutual | Providence Capital | Provident Life | Provident Mutual Life Services | Prudential | RBS | ReAssure | Refuge Assurance | Regency Life | Reliance Mutual | Royal Bank of Scotland (RBS) | Royal Life | Royal Liver | Royal London | Royal Scottish Assurance | Royal Sun Alliance | Sanlam | Santander | Save & Prosper | Scottish Amicable | Scottish Equitable PLC | Scottish Friendly | Scottish Life | Scottish Mutual | Scottish Provident | Scottish Widows | Sesame | St James's Place Wealth Management | Standard Life | Sun Alliance & London Assured | Sun Life Financial | Swiss Pioneer Life | Teachers Assurance | The Co-operative | The Prudential | TSB | United Friendly Insurance | Wesleyan Assurance Society | Windsor Life Assurance | Winterthur Life | Woolwich Life | Yorkshire Building Society | Yorkshire General | Zurich Assurance

Want us to call you back?