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Some of the insurance industry’s leading companies have been ‘found wanting’ by the Supreme Court and are now required to pay claims that they had pleaded were not covered by their various insurance policies. Next comes the vexing task of ‘adjusting’ the losses claimed by the policyholders and already some insurers have asserted ‘their right’ to deduct grants, loans and Furlough monies from indemnity payments. Our latest Covid Bulletin examines the controversial question: Is it Treating Customers Fairly for insurers now to deduct...

Are you in the position of having to make a claim on your travel insurance due to COVID-19? You’ve probably never had to really think about your travel insurance before, you generally pay a small premium just in case something goes wrong, but you would never normally expect to make a claim.  You might be surprised to know that a travel insurance policy is one of the most complicated policies in existence. The term small print might as well have...

February 2021 Our strong belief is that there are still many challenges to be made and overcome. “The Supreme Court has ‘come good’ and now its my right to get my money.” These emotionally charged words, uttered by a broker’s customer, perhaps best describe the sentiment amongst many SMEs. Sadly, even now, many of them will be disappointed that their particular claim does still not meet the cover threshold; for reasons that will be beyond their comprehension. Will it become necessary to fight yet another...