Latest News

See the latest news and updates, with a focus on Travel Insurance - from MD, David McGowan.

July 2020

COVID-19 - Travel Insurance & Other Insurance Updates

"Hello, hope you are all well and you and your families remain safe in these uncertain times. With restrictions on travel easing we are seeing more clients starting to book holidays or business trips. Ensuring you have the right travel insurance cover is so important, particularly given the current climate. My colleague Thomas Hallatt has written a very timely article on Travel which you can read in this newsletter".

David McGowan (Managing Director )

Coronavirus – Travel Insurance Advice

Summer holidays and business travel may be back on the cards for many families and businesses, so we have put together the below to advise you of the current Travel Insurance market conditions. Please see below for further information.

Whilst it’s been public knowledge that it has been difficult to source Travel Insurance because of the FCO advices to only travel if it’s essential, the recent travel advice updates have improved Travel Insurance availability. Also it is true that there are issues purchasing cancellation and curtailment cover due to Covid-19 or related issues, many Travel Insurance policies will still cover you and your family should you develop Covid-19 whilst travelling abroad. Having said that, we are aware of a small handful of Travel Insurance providers which can offer some level of curtailment cover, for example additional expenses related to being placed into quarantine whilst on your trip/holiday. We must stress however that not being able to purchase full cancellation or curtailment cover is a significant financial risk, for example if you are turned away at the airport of your holiday destination and are forced to travel home immediately.

There may always be the possibility of reclaiming cancellation costs from your holiday booking providers (e.g. if ABTA registered) or even via your credit card providers under the Section 75 refund clause.

Having an Insurance Broker provide suitable advice and the ability to research the market is very important in times like these. Please don’t hesitate to contact ourselves to make your trip this year a reality.

You can call us on 01473 408408 or e-mail

Covid-19 Business Interruption Claims

In respect of Business Interruption cover following my last update there has been little change other than positioning of arguments from both sides. The FCA have been joined in their argument from the Hospitality Insurance Action Group and Hiscox Action Group. 

The next stage will be the full trial which is due to begin on 20th July 2020 and should last around 8 days. Although the Insurers and policies in question may not include yours the decisions of the court could be wide ranging and affect all insurers and all policies including yours. I would therefore reiterate my earlier messages and ask if you would like us to check your policy for the potential to lodge a claim on your behalf with your insurer for loss of profit or revenue now please let us know. If your claim is lodged at a later date this could affect your claim as insurers could invoke a late notification clause and throw out your claim. 

For those who want to read more about the whole case and read each sides arguments please click on the link below.  

Please read my previous updates in respect of Insurance cover following the Covid-19 pandemic, links to these updates are  below:

14th May - click here

21st Mayclick here

3rd June - click here

11th June - click here 

4th July - click here

Covid-19 - Workplace Pensions & Employee Benefits

With everything that’s going on at the moment, employers have a lot on their plates, so we want to take the time to provide some useful reminders of your obligations under workplace pension and employee benefit rules. We hope you find this guidance helpful during these unprecedented times.

Please read the article on your responsibilities in respect of Pensions and employee benefits during the Covid-19 pandemic, written by my my colleagues in the financial services division of our business.

Click here to read the full article. 

Further Information

As we mentioned earlier, as we are in a rapidly changing climate therefore we will continue to provide regular updates and advice over the coming weeks.

If you have any concerns or queries you can call us on 01473 408408

or e-mail us directly by clicking here