I know of one syndicate that has suffered very badly with Folksam.
They had a total loss of a twin f/w but Folksam wouldn't pay up, claiming some technicality so the syndicate sued.
The brokers Hall & Clark supported Folksam against the syndicate!
Flying Lawyer won the case for the syndicate, but they still haven't managed to get the money or their legal costs.
Worth remembering although insurance brokers are your agents, they get their commission paid by insurance companies.
So guess where their loyalty lies when the going gets rough.
