From time-to-time differences in interpretation may arise between the insurer and the customer on the cover provided by the products sold to the client, and a simplified process is required to clarify and rule on such uncertainties.
For this purpose, the Financial Services Conduct Authority (FSCA) established the Ombudsman for Short Term insurance, or the OSTI, to act as an independent evaluator of claims that are repudiated or rejected by insurers.