Policyholders who have thus far notified their insurers of Property Damage and Business Interruption (PDBI) claims for their losses resulting from the COVID-19 pandemic have generally found that insurers are unwilling to accept them. In some instances this is because there is a large amount of legal uncertainty as to how different PDBI policy wordings should respond to a pandemic and how courts will judge policy language in light of these unprecedented circumstances.

In order to try and bring some certainty for policyholders the UK Financial Conduct Authority (FCA) has recently announced that it intends to bring a test case before the High Court in late July (with the court's decision to be released at an unspecified date thereafter).

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