10 February 2021

On 15 January 2021, The Supreme Court ruled that policy holders with certain types of insurance policy can make a business interruption claim due to the pandemic. It has told insurers to pay out in these cases as soon as possible.

However, we were very disappointed to hear that Salonsure policy holders were told this decision did not apply to them, and they would not receive any payments under the ruling.  

We asked our lawyers to check this, but unfortunately they have confirmed that this is correct. The wording of the policies means they do not cover business interruption or compulsory closure due to the COVID-19 pandemic. 

The NHBF is reflecting on what we can do next and will get back to you shortly with a further update.

Getting advice - we’re sorry, but rules set by the Financial Conduct Authority mean we are not allowed to discuss your insurance policy with you. Please contact your insurance provider for advice on how the court ruling affects you.

If you have any questions about your business interruption insurance with Coversure and how the court ruling affects you, please contact Coversure directly: nhbf@coversure.co.uk 

Find out more details about the Supreme Court ruling on the Financial Conduct Authority's website.

The Financial Conduct Authority

The Financial Conduct Authority is the independent regulatory body for the financial services industry. It regulates over 59,000 financial services firms, including banks, credit card companies, insurance companies, accountancy companies and investment funds. Its role is to protect consumers to make sure they get a fair deal.

Financial Ombudsman

If you are unsatisfied with how an insurer responds to a complaint, you can contact the Financial Ombudsman

This page was updated on 10 January 2021