Coronavirus FAQ's

FAQ’s for policies relating to COVID-19 / Coronavirus.

Coronavirus is having a huge impact on all our lives. We’re working hard to offer you the best service we can while looking after our employees. We appreciate this is an unsettling time for everyone and we’re doing everything we can to support you.

We are receiving a high volume of calls from our customers who have questions about their policy and coronavirus, so we have put together a list of answers to those most frequently asked.

Q. What is covered under the Business Interruption section of my policy?

A. This section of the policy will cover you if your business is unable to trade due to property damage (such as a fire or flood) which leads to loss of income, because you are forced to stop trading.

Q. Am I covered for Coronavirus under my policy:

A. This policy is not designed to cover the coronavirus, though it does have an extension for notifiable diseases. For a claim to be valid it would have to meet both of the below criteria:

- It has to be an outbreak that can be clearly identified as having occurred at the Premises address shown on the Policy Schedule

- Closure has to be enforced by a competent authority and not due to a decision taken by the Insured as a precaution for example.

Q. Does my policy include loss of earnings cover?

A. Loss of earnings is not an insurance type that we cover and so is not available with any of our policies. If you are forced to cease trading or your turnover drops due to loss of customers there is no cover available for this.

Q. Is there any support on my policy to cover bills that I am having to pay whilst unable to trade?

A. We do not have any cover on our policies for this.

Q. Does my policy include loss of earnings cover?

A. Loss of earnings is not an insurance type that we cover and so is not available with any of our policies. If you are forced to cease trading or your turnover drops due to loss of customers there is no cover available for this.

Q. Is there any support on my policy to cover bills that I am having to pay whilst unable to trade?

A. We do not have any cover on our policies for this.

Q. I have Personal Accident cover with my policy. If I was to fall ill would the Personal Accident section of my policy cover this?

A. The temporary total disablement section of the personal accident cover is only applicable if you were to get injured whilst working. There is no cover on the policy for illness.

Q. Am I covered for working online?

A. Yes, provided you comply with the below requirements for remote coaching/instruction (live or prerecorded):

In respect of any coaching or instruction that is undertaken remotely, it is strongly recommended that the Insured should:

1. At the commencement of the session, advise participants:

a. that by participating they are doing so at their own risk;
b. a suitable, non-slip floor space is required and any potential obstructions in the vicinity are removed before they participate;
c. to avoid activities if they have, or suspect they may have any current health concerns, injuries, aches and pains;
d. avoid the use of blades, weapons or sharp instruments of any description;
e. avoid physical contact with other participants and where appropriate, adhere to social distancing guidelines;

2. Ensure that sessions are conducted for the benefit of existing members/participants/contacts only who have demonstrated sufficient suitability to participate; at the commencement of the session, advise participants:

3. Continue to only instruct activities in which you are qualified to do so;

4. Record the session. Retaining the recording for a period of up to thirty-six (36) months may assist in any claim made against you

5. Maximum class size is 16

Q. My governing body have said that we are unable to trade. Would my insurance policy still cover me for working?

A. No, if your industry body/governing body or any relevant competent authority say that you need stop trading (e.g. due to Coronavirus) then we would require that you comply with that.

Q. Further to the Government’s recent announcement restricting the general public from leaving their houses, will I still be covered with my Pet Business policy?

A. You will still be covered under your policy as long as you comply with any relevant laws and regulations, and follow any government guidance.

Q. Does my policy include loss of earnings cover?

A. Loss of earnings is not an insurance type that we cover and so is not available with any of our policies. If you are forced to cease trading, or your turnover drops due to loss of customers there is no cover for this.

Q. Is there any support on my policy to cover bills that I am having to pay whilst unable to trade?

A. We do not have any cover on our policies for this.

Q. I have Personal Accident cover with my policy. If I was to fall ill would the Personal Accident section of my policy cover this?

A. The Temporary Total Disablement section of the Personal Accident cover only provides cover if you were to get injured whilst working. There is no cover under the policy for illness.

FAQ’s about Coronavirus (COVID-19) updated for the 19th March 2020. These FAQ will we updated as developments change in line with the UK Government advice

Understandably due to the current outbreak we are receiving higher numbers of emails and calls about customers wedding cover. We are addressing these in the order they are received, and endeavouring to deal with the customer whose weddings are scheduled to take place in the near future as a priority. Please bear with us and we will answer your questions.

- In the first instance we would suggest speaking to your venue/service providers and ask about rearrangement or refund of any payments if rearrangement is not possible.

- If you paid by Credit card, then contact your provider about any refund.

- Please read your wedding policy document as this will cover most of your questions

Q. Government guidance has advised people to avoid public places, pubs, clubs and social venues, will my wedding be covered if we cancel due to above.

No - the policy does not provide cover if you chose to cancel your wedding under these circumstances.

Q. Would I be covered if any of my wedding suppliers cancel due to Coronavirus?

No - we would only cover in the event of Financial Failure of a supplier, if a supplier cancels to due self-isolation as a result of having symptoms of the Coronavirus any costs would need to be recovered from the supplier.