Coronavirus / COVID 19 Business Interruption Claims

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As you may be aware the FCA has recently brought proceedings to court in relation to certain insurers and specific policy wordings, the insurers involved are:

  • Arch Insurance (UK) Ltd.
  • Argenta Syndicate Management Ltd.
  • Ecclesiastical Insurance Office Plc.
  • Hiscox Insurance Company Ltd.
  • MS Amlin Underwriting Ltd.
  • QBE UK Ltd.
  • Royal & Sun Alliance Insurance Plc.
  • Zurich Insurance Plc

It may be that your underlying insurers for your specific policy was placed through an underwriting agency who had worked with these insurers, however the specific policy wording brought to court as per the following list:

Read More

The purpose of this was to in bulk provide clarity in this very complicated set of circumstances for policyholders in these unprecedented times.

The outcome of this case following appeals from the insurers in question was concluded on 15/01/2021 in the supreme court details of which are on the below link:

Supreme Court hands down judgment in FCA’s Covid-19 Business Interruption Test Case | Insurance notes (

This is an extremely complicated result and leads to the possibility that some customers who have not been able to claim thus far can submit a claim under their policy. I would like to re-iterate that contrary to the reports in the media, this does not mean that every single policyholder can make a claim.

At Ava Insurance we strive to provide information where possible and to keep our customers informed with various newsletters. We understand this has been a traumatic time and this conclusion will bring about some closure to some of our customers.

Please do keep an eye on the government website for business support packages, this is being regularly updated:

Coronavirus (COVID-19): Business support – GOV.UK (

Please note that you may be required to provide proof in certain circumstances so please see below an addition guidance which has been issued by the FCA:

Read More

Apologies for the contrary nature of the next steps, however in order to streamline this process we have prepared the form below which you will need to complete online and submit by uploading any supporting evidence and this will be passed onto your insurers promptly and they will contact you directly:

Thank you for your continued custom and we look forward to working with you in the future:

This form is for business customers making a claim for property or business interruption as a result of the Coronavirus (Covid-19) outbreak.

If you have any supporting documents you would like to provide please upload them below on the link provided (we would need to provide the
ability to upload documents which will be emailed with the completed for to our email address)

1 Step 1
Are you VAT registered?pick one!
Have you had a confirmed case of Coronavirus / Covid-19 in any one of the following, whilst on your premises:pick one!
Do you want to hear about out campaigns & news?pick one!