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Hello, this is Jim and I’m a dual-qualified lawyer (UK & Republic of Ireland) happy to help you today.
Your insurer is likely to have to pay out for this - the virus is now classed as a pandemic. The policy does not have to specificially word COVID-19 either. In these policies there is usually a list of diseases but there is also a catch-all definition which is a "notifiable disease". COVID-19 is on the list of notifiable diseases :
You can contact Public Health England if you need clarity. Their number is 0300 303 8162. You should consider making a complaint to your insurer. Ask them for their final response, then assuming it does not resolve matters, involve the Ombudsman here:
I hope this helps? If you would kindly leave me a 5 star rating (at the top of your screen), the question will stay open and any follow up questions are welcomed.
Hi, yes, here it is: 029 2022 7744
Perhaps go back to the insurer and tell them Public Health England (and Wales) classifies COVID-19 as a notifiable disease - which triggers disruption cover in an insurance policy.