FCA Test Case

On 9th June 2020, the Financial Conduct Authority commenced court proceedings to seek legal clarity on the interpretation of certain non-damage business interruption policies in relation to losses resulting from the Covid-19 pandemic.  Along with others in the industry, Hiscox participated in this Test Case and some of our policy wordings for business interruption cover were considered as part of this case.

The High Court handed down its Judgment on Tuesday 15 September 2020, and certain findings were appealed, with the case heard by the Supreme Court in November 2020 and the final Judgment handed down on 15 January 2021. If you are a Hiscox customer and think that the outcome of the final Judgment might affect you, please visit our UK website – – for more information.

Our response to the final Judgment can be found here.