Which of the following situations would be covered by the Financial Services Compensation Scheme [FSCS]?

The Financial Services Compensation Scheme (FSCS) is designed to protect customers in the event of a financial services firm failing. Its primary purpose is to compensate consumers when an authorized financial services provider cannot meet its obligations.

In the given options, the situation involving an outstanding home contents claim where the insurer has gone into liquidation is covered by the FSCS. When an insurance company enters into liquidation, it is unable to pay claims to its policyholders. In such cases, the FSCS steps in to protect consumers by compensating them for their valid claims up to certain limits. This ensures that individuals are not left without financial recourse due to the insolvency of their insurance provider.

The other scenarios do not qualify for FSCS coverage. Situations like complaints over mis-selling payment protection insurance, disputes between an insurer and an insured regarding liability, or claims involving uninsured motorists deal with customer service or liability issues that are typically outside the remit of the FSCS. These cases usually require resolution through other means, such as alternative dispute resolution or legal proceedings. Thus, the presence of liquidation of an insurer is the key factor that makes the last option eligible for coverage under the FSCS.