Ask a Law Question, Get an Answer ASAP!
Hello, this is Jim and welcome to JustAnswer. I will be the lawyer working with you today.
I note the wording there but I cannot see any reference to disruption cover - it usually says "disruption cover" and assuming there is an event such as an infectious disease, etc. Is there any more wording from looking at the policy?
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 :
If you were misled (i.e. they induced you to pay for the policy if you thought it included interruption cover), you could make a formal complaint and avail of the Ombudsman scheme - which is free to use and quicker than court action.
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:
If you do have interruption cover, it may cover more than just physical damage. There are three types of "non-damage" clauses: disease, prevention of access, and hybrid clauses.
The latter is as it says on the tin - a combination of prevented access due to disease, which is the typical reason for making a claim. Based on the details in your question, I cannot see any reference to interruption cover unless it is mentioned elsewhere in your policy so you should check it carefully - if it is listed then your insurer will be liable to pay. If not then it would not cover as the option was not included in the policy when it was incepted.
I hope this helps and answers the question - my goal is to ensure you are happy with the answer and have the information you need. If you have any follow up questions then please let me know. I will reply as soon as I can to help with any further queries.
Please let me know if the answer helped or if you need me to cover anything else?. I am happy to clarify the answer or if you have any follow up questions. If so, I’d be grateful if you would let me know. I am free most days, including weekends, so feel free to ask me anything you are unsure of.