Bad luck Guy, unfortunately the FOS do expect investor/clients to take responsibility for the things you sign. The lesson is do not sign anything unless you understand every (and I mean every) clause. I have heard nasty stories about advisers leaning on documents when people have been signing docs but it is almost impossible to prove.

ultimately stories like this do not help the insurance industry- and lets face it our image is worse than the conservative party!

BTW was the decision signed by someone called an adjuducator or an ombudsman?