IMPORTANT INFORMATION

COVID-19 PANDEMIC

Some important information on how we can help you during these unprecedented times.

These are very challenging and unprecedented times and many businesses are suffering , It is natural to look for any help that is available and we fully support our clients with this.

Regrettably there has been a lot of confusion and misunderstanding regarding insurance and COVID 19 and the situation has been ever evolving.

The intention of Business Interruption cover is to respond following an insured event such as a Fire or Flood.

There is an extension under many policies which provides limited cover as a result of a premises being closed due to an outbreak of a notifiable infectious disease at that premises. In a lot of policies these diseases are listed and COVID 19 is not one of them as it was not known at the time.

Some policies include a condition that the outbreak must be at the premises ,or a similar wording to this, however this condition was challenged in the latest test case and we are waiting to hear if Insurers can no longer decline claims based on this condition alone.

There are some insurance policies where the wording is not clear and these have now been ruled upon in test cases. If you have suffered a loss and would like to explore the possibility of making a claim please do not hesitate to contact us.

CLIENTS EXPERIENCING

Financial difficulties as a result of Coronavirus

Should you be experiencing financial hardship, or if things change at work or home, we may be able to help by re-assessing your demands & needs, reviewing levels of cover, adding or removing optional covers or adding or removing people on your policy.

If you are struggling to pay your premium finance you should contact us as further support may be available, which could potentially include deferring payments (where this is in your best interests). It is important that customers do not leave themselves uninsured, so we encourage you to contact us to discuss the options available if you are struggling to afford your payments during this uncertain time.

If you have suffered a loss and would like to explore the possibility of making a claim

please do not hesitate to contact us

Call: 0121 796 0123

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