United Kingdom: Insurance Claims

The Court of Appeal's ruling in *ExCel v Allianz* broadens business interruption insurance coverage for pandemic-related losses, favoring policyholders by allowing government restrictions to trigger claims under "at the premises" clauses.

It is now over five months since the Supreme Court handed down its largely policyholder-friendly judgment in the FCA Test Case, but for a majority of policyholders, the end is not yet in sight.

The Financial Conduct Authority's (FCA) test case against eight insurers at the high court achieved its aim in going some way in defining the validity of commercial insurance policies...