By bizn_fun 
The complaint is based on three areas of concern. The first is the way that claims are handled, with many being outsourced by insurers to specialists.
The second is the sales practices of insurers, which the consumer group argues are inappropriate and lead to widespread confusion over what is covered in a policy.
Finally, it accuses the FCA, as the regulator, of failing to provide an appropriate degree of protection for consumers.
It has received support from James Daley, managing director of independent consumer group Fairer Finance.
“The FCA has only recently finished a number of studies looking at this market – and while it acknowledged a number of failures, it seems to have no appetite to tackle these,” he said.
A spokesman for the FCA said it would respond to the super-complaint in due course, but had been “focused on raising standards”.
“We uncovered issues when we recently reviewed insurers’ home and travel claims handling. We’ll be holding them and their senior managers accountable for the changes needed,” he said.
They included issues over outsourcing and storm definitions.
The Association of British Insurers, which represents providers, said that its members worked hard to ensure customers knew the details of policies and handled claims as quickly and efficiently as possible.
“In the first half of this year alone, insurers have paid out over £1.7bn for more than 300,000 home insurance claims. Last year, travel insurers also paid out £472m across more than 500,000 claims,” a spokeswoman said.
“We’re working closely with the regulator to ensure good outcomes for customers and will engage with Which? to understand the details of its concerns.”