FSAVC Pension Mis Selling – Have you been miss-sold an FSAVC Pension?

I have a FSAVC, can I claim compensation?


Most public sector workers, doctors and teachers have generous employee benefits, but those that were advised to take out a FSAVC, have lost out – in a variety of ways. The higher product cost of a private scheme has reduced your pension fund, whilst customers also lost benefits of the in-house pension. This would include employer scheme guarantees, lower costs of the product itself, and ‘added years’.

X-Claims is an established UK-based company that can help reclaim the money you are owed, with a track record of successfully winning hundreds of thousands of pounds in compensation.

How Do I Know If I Have A FSAVC Claim?

Did you know the FSAVC scheme would cost more?
Did you know that you would be paying more for a FSAVC scheme and that this would reduce the value of your pension fund
You weren’t advised that you could make extra contributions to your work scheme and, if applicable, purchase “Added Years”.
Were you made aware of the fact that you could have made Additional Voluntary Contributions to your existing occupational scheme?
You weren’t informed about how FSAVC funds were invested.
Were you advised that you could increase your pension benefits with no risk?
Was pension risk (long term risk) discussed at the time of the sale?

FSAVC Entitlement Check List

The main insurance companies that sold FSAVC pensions are listed below (please note that your policy many have been sold to you by an IFA/Financial Advisor on behalf of an insurer), so please check to see if your FSAVC pension provider is with one of the following:

  • Allied Dunbar Assurance
  • Aviva
  • AXA Equity & Law
  • AXA Sun Life
  • Barclays
  • Bradford and Bingley
  • Canada Life
  • Co-Operative
  • Eagle Star
  • Friends Life
  • Friends Provident
  • Guardian Financial
  • Laurentian Life
  • Legal & General
  • Lloyds Life
  • Lincoln Financial
  • Merchant Investors Assurance
  • Natwest
  • Norwich Union/Aviva
  • Pearl Assurance
  • Phoenix Life
  • Prudential
  • ReAssure
  • Royal Bank of Scotland
  • Royal London
  • Royal Sun Alliance
  • Scottish Amicable
  • Scottish Widows
  • Standard Life
  • Sun Life Financial of Canada
  • Teachers Assurance
  • Wesleyan / Medical Sickness
  • Windsor Life
  • Winterthur Life
  • Zurich Assurance

Dr S - Oct 2020

My colleague recommended X-Claims to me. He was right, they are the best in the business and successfully fought my case. Thank you X-Claims!

Dr S - Apr 2020

Lorraine has provided me with excellent advice and achieved a good outcome, despite many challenges. I would highly recommend X-Claims.

Dr G - Mar 2020

Another doctor told me about your service. Without X-Claims I would not have challenged the financial advice I had received, nor the products I had been sold. They guided me through the process, kept me updated, took the hassle out of it, and as a result I have been awarded a significant sum of compensation. Thank you.

Dr W - Jul 2019

The process of making a claim for a mis-sold financial product was straight forward and painless by X-Claim’s experts. I was surprised and delighted with the outcome.

Ms G - Apr 2019

Thank you very much for pursuing this claim on my behalf and for the extraordinary result. I was aghast at the impact that a decision, made on bad advice many years ago, had on my pension.  Thanks to the expertise, tenacity  and sheer doggedness of you and your team that wrong has now been made good.

Dr D - Apr 2019

Thank you again for applying your significant astute observation, expertise and judgement to helping me obtain a just outcome with this issue of compensation for previous poor financial advice. Although the settlement is of course most welcome, the compensation for me is more than financial.

Dr B – Jan 2018

It was very easy to contact X-Claims and the whole process was straightforward and simple. Lorraine and Sophie were very helpful and efficient.


Lorraine Williams - CEO of X-Claims

Lorraine Williams was a former member of the prestigious Compliance Institute and now is a member of the Chartered Institute for Securities and Investment. The founding Partners have been within financial services since 1972 and have experienced every aspect of the industry in relation to historical financial advice.