Back to News


Business Interruption Insurance: FCA Test Case Ruling Update


On the 19 November, the UK Supreme Court heard the closing arguments from both the FCA and a number of insurers on the business interruption test case appeal hearing.

The hearing concluded without the court giving a date for when they expect to issue a judgement with no commitment that it will be before or after Christmas.

We will continue to update this page when new information is available.


On 15 September 2020, the High Court published its findings from the FCA test case, which broadly ruled in favour of Business Interruption policyholders, whose policy wordings were being assessed as part of the case.

We strongly encourage clients to read the following press release from the Financial Conduct Authority (FCA) to find out more about the results and how it could affect their claims:

There is likely to be an appeal, causing further delays for policyholders seeking settlement.

If you have previously lodged a Business Interruption claim and have had it refused, your insurer will contact you directly. If you haven’t lodged a claim yet, we await further instructions whilst insurers assess the ruling and consider their appeal options.

If you have any queries, please contact our Technical Claims Manager, Darren Easton on 01603 218238 or


Related Articles