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COVID-19 and FCA Legal Action – an update

Now that the Supreme Court Appeal has been concluded, we thought it would be helpful to provide you with further information. Unfortunately, the situation hasn’t changed for most policyholders as most policies provided no Business Interruption (BI) cover for COVID-19.

In an effort to bring some clarity, the Financial Conduct Authority (FCA) has published a list of policies that may be affected by the recent ruling including those that may pay COVID-19 related BI claims. The list is not yet definitive and we understand that the FCA is likely to update it shortly. In the meantime, you may be interested in the FCA’s new online policy checker tool where you can see if your policy may provide cover and read answers to frequently asked questions (FAQs).

You’ll find all of this information and support in our previous article: An update on the FCA’s court case regarding business interruption cover for COVID-19 related claims and the Supreme Court’s judgment



In the meantime, we’re working on our own FAQs to help to explain the situation better and will be publishing them next week. We will keep you informed of any further updates issued by the FCA.


We’re here to help

While COVID-19 continues to play havoc with families and businesses, and as we all wait for the vaccine roll-out to bring us nearer to normality again, remember that we’re here to support you as best we can in these tough times. So, if you do have any questions or concerns, please do not hesitate to get in touch with your usual BHIB contact, or email us at and we will be pleased to assist you.