FCA Business Interruption Test Case – Judgement

On 15 September the outcome of the Financial Conduct Authority (FCA) COVID-19 business interruption test case was delivered.

We have briefly summarised the outcome for clients with an MS Amlin and Ecclesiastical policy below.

MS Amlin

We’re very pleased to announce that the result is in our favour. The High Court has determined that MS Amlin is liable to pay out on its business interruption policies, meaning we can now progress your claim to the next stage.

What happens next:

  • Please collate and submit the following information to us as soon as possible using the form below:
  • Drop files here or
    • Drop files here or
      • Drop files here or
        • Drop files here or
          • Date Format: DD slash MM slash YYYY
          • Date Format: DD slash MM slash YYYY

          Upon receipt of this information, we will compile this into the format required by your insurer and will submit your claim on your behalf. We will be reviewing each claim individually, and if there is any missing information or we have any questions, we will be in touch directly with you.

          Throughout the claim process we will keep you updated with every development as it happens.


          We’re very disappointed to hear that the court has not ruled in our favour following the FCA High Court Case. Alongside you, we have been working tirelessly to get your claim paid, and this is undoubtedly a blow.

          However, all is not lost, and there are further steps that we can take. We anticipate that the FCA will be considering an appeal against the decision not to mandate your insurer to pay out, and we will support any appeal fully to fight for the payment of your claim.

          We shall be working closely with everyone involved and will update you as soon as we know more about the appeal process.

          If you have any further questions, please contact the team.

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          Victoria Romero-Trigo

          Victoria Romero-Trigo

          Victoria is the Financial Director at Club Insure and one of our founders. She is fiercely passionate about the industry and has dedicated more than 20 years of her professional career to giving clubs the protection they require.