Covid-19 Information

2nd November 2020

In July 2020, the FCA started legal proceedings in the High Court against a number of insurers as to how certain business interruption policies should be interpreted and whether they cover losses arising out of the Covid-19 pandemic. The Court has now handed down its judgment on the interpretation of certain business interruption policies. 

The final judgment is highly complex and it will take some time to review. Although our policy wordings were not directly considered during the test case, Covéa Insurance remain committed to apply the relevant findings of the test case to any potentially affected claims or complaints. For this reason, we are now working through the full detail of the judgment and reviewing it carefully to assess its application to the individual claim circumstances of those clients who may be impacted.  

We will be communicating directly with those clients and their brokers who are impacted. You do not need to anything further at this point.

We understand that the Covid-19 crisis has brought with it unprecedented challenges for business, individuals and the country as a whole and we remain committed to continuing to work with our clients, our partners and the industry to provide certainty as quickly as possible.

For more information on the case and judgment please visit the FCA website:

2nd November

On 2 November, the Supreme Court granted permission to appeal to all those who had applied for it (see FCA link:

The appeal in the Supreme Court will be heard from Monday 16 November and is expected to last for 4 days.

The appeal hearing will be by video link.

31st July

The High Court hearing of the FCA’s business interruption insurance (BI) test case has reached its conclusion. Over the course of an 8-day hearing, two High Court judges have heard arguments from counsel on behalf of both the FCA and insurers, concerning how BI policies should respond to the losses suffered by policyholders whose businesses have been affected by Covid-19 and resultant government measures. In light of the pandemic, proceedings were conducted remotely via video-link and publicly live-streamed.

The judges noted that judgment may be a more onerous task to write than anticipated and cannot be rushed, given the importance that this case will have on many different parties and individuals. However, they advised that their aim was to issue judgment by late September.

15th July - FCA Business Interruption test case

You will be aware that the Covid-19 pandemic has highlighted the cover provided by insurers under Business Interruption (BI) insurance. The Financial Conduct Authority (FCA) is seeking legal clarity and certainty around this issue by holding a ‘test case’ in court against a range of BI policy wordings that are representative of the key issues in dispute between policyholders and insurers.

We welcome the FCA’s review process which sets out to resolve some key contractual uncertainties  and causation issues to provide clarity for policyholders and insurers. We have reviewed our policies carefully and will be contacting customers and brokers if their claim relates to a test case in accordance with the FCA guidance. We will continue to keep brokers and customers informed more generally by updating our frequently asked questions on the commercial broker and customer section below.

We will continue to keep brokers and customers informed more generally by updating our frequently asked questions on the commercial broker and customer section below but would encourage customers to contact their brokers in the first instance if they have queries.

Please keep checking back to this page for the latest update on Covid-19 from Covéa Insurance. Follow us on Twitter or LinkedIn which is where we'll flag relevant updates rather than sending multiple emails. 

This world-wide health crisis that we are facing for the first time in our lifetimes has a major impact on our personal and professional lives. Our priorities in facing the challenges of this unprecedented situation are protecting people - our employees, customers, suppliers, brokers and partners – as well as continuing business operations as best we can to continue to meet the needs of our customers.

As of 31st March 2020, we’re pleased to have all of our workforce working from home, this was an incredible achievement to implement in less than two weeks and made possible by the outstanding commitment of all our people, going above and beyond all expectations to adapt to new ways of working and create an individual and collective resilience. As always, the health, safety and wellbeing of our people, suppliers, business partners and customers is of utmost importance to us, whilst being able to continue to service and support our brokers and customers through the challenges ahead.

These are unprecedented times and the situation regarding Covid-19 is changing rapidly, but we continue to follow the advice provided by the Government.

Our phone lines are being diverted and emails are being picked up, but due to the unique challenges of working from home, coupled with the large increase in the volume of enquiries, it is taking us longer than usual to respond so please do bear with us and we thank you for your understanding. 

For a log of all the updates we have released, click here

We have put together several advice pages based on the type of customer or broker you are, please select the button below to see information relevant to you. 

I am a Pet customer

You can see the commitments that we have signed up to as an ABI Insurer here.