As you may know, the High Court published its judgement in the FCA’s business interruption test case on 15th September 2020. Further information from the FCA, legal submissions and transcripts from the Test Case hearings and the judgement can be found here.

What does this mean for Folgate policyholders?

In line with our previous communication regarding the test case, our policy wordings do not contain the types of clauses which were considered by the High Court during the FCA test case and therefore the outcome of Covid-19 related business interruption claims (or associated complaints) under our policies are not affected by the judgement in the test case.

For the avoidance of doubt, claims made for business interruption losses caused by and/or arising from the outbreak of Covid-19 are not covered by Folgate insurance policies and our position, therefore, remains unaltered.

We know that this has been a difficult time for our policyholders and indeed our valued brokers and we would like to take this opportunity to say that we appreciate the support and engagement you have shown us during this challenging period.

We trust the above clarifies matters, however, if you have any queries please do not hesitate to write to

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