[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"doc-detail-165485-en":3,"doc-seo-165485-105":29,"detail-sidebar-cat-1-en-105":89},{"code":4,"msg":5,"data":6},0,"success",{"doc_id":7,"user_id":8,"nickname":9,"user_avatar":10,"doc_module":11,"category_id":12,"category_name":13,"doc_title":14,"doc_description":15,"doc_content":16,"file_id":17,"file_url":18,"file_type":19,"file_size":20,"view_count":4,"is_deleted":4,"is_public":11,"is_downloadable":11,"audit_status":11,"page_count":21,"language":22,"language_code":23,"site_id":24,"html_lang":23,"table_of_contents":25,"faqs":26,"seo_title":27,"seo_description":15,"update_tm":28,"read_time":11},165485,962075114765,"Quinn","https://ap-avatar.wpscdn.com/davatar_a8503ba1806abce46bf441b54a3ca4cd",1,18,"Letters","Ecclesiastical - FCA Court Action Update Letter - Business Interruption Claim","Formal letter template providing an update on the outcome of an FCA Test Case concerning business interruption insurance claims related to Covid-19. It explains that the High Court Judgment published on 15 September 2020 found Ecclesiastical’s policies do not cover Covid-19 losses under the relevant policy terms, meaning the customer’s claim is not covered. The letter outlines next steps, including the possibility of appeal, and directs readers to additional background information on FCA and Ecclesiastical websites, plus enclosed Q&As.","Dear \u003CINSERT CUSTOMER NAME>\nUpdate on Financial Conduct Authority (FCA) Court Action\nClaim No: \u003CINSERT CUSTOMER CLAIM NUMBER>\nWe write with reference to our previous correspondence declining your claim for business interruption losses under the non-damage prevention of access section of your policy. As you are aware, we recently agreed to participate in a ‘Test Case’ with the FCA to resolve contractual uncertainty in selected business interruption insurance policies relating to Covid-19 losses.  The Test Case Judgment was published on 15 September 2020.\nThe outcome\nThe Judgment stated that Ecclesiastical’s business interruption policies do not cover losses arising from Covid-19 and therefore your claim is not covered under your policy. We recognise that whilst the ruling supports the position we have taken, the outcome will clearly be disappointing to you.  We are very mindful that this is an unprecedented situation that has been tough for customers and we wanted to engage positively in the legal proceedings so we could gain maximum clarity for all in the shortest amount of time.\nNext steps\nWhile the Judgment provides that clarity, appeals can still be made by the FCA and other parties in the Test Case. We’ll continue to update our website and if anything significant changes, we’ll also write to you.\nMore information\nIf you would like further information on the background to the Test Case you can find details on the FCA’s website: \u0013 HYPERLINK \"http://www.fca.org.uk/firms/business-interruption-insurance\" \u0014www.fca.org.uk/firms/business-interruption-insurance\u0015  and our website \u0013 HYPERLINK \"http://www.ecclesiastical.com/latest-news/fca-test-case\" \u0014www.ecclesiastical.com/latest-news/fca-test-case\u0015.  We have also enclosed a short key questions and answers document for your information which we hope is helpful.\nKind regards,\nEcclesiastical Claims\nTel: 0345 603 8381\nEmail: \u0013 HYPERLINK \"mailto:churchclaims@ecclesiastical.com\" \u0014churchclaims@ecclesiastical.com\u0015\n\u0013 HYPERLINK \"http://www.ecclesiastical.com/\" \u0014www.ecclesiastical.com\u0015\nBackground Q&As\nWhat was the FCA Test Case about?\nDue to the pandemic, a number of questions were raised by customers across the insurance market as to whether their business interruption policies covered them for Covid-19 losses.  Because of this, eight insurers including Ecclesiastical Insurance, agreed to take part in a Test Case with the FCA to clarify whether policyholders were or were not covered.  The FCA described this as:\n“The proceedings to resolve uncertainty as to whether certain non-damage business interruption insurance policies respond to claims related to the coronavirus pandemic….acting in the public interest, the FCA will put forward policyholders’ arguments to their best advantage. We are aiming to obtain legal guidance in this way more quickly and at a lower cost to policyholders than would be the case if they took their own court actions”.\nWhat policies were examined in the Test Case?\nThe Test Case was designed to analyse a number of policy wordings which were representative across the insurance market. The FCA defined a ‘Potentially Affected Claim’ as:\n“A claim made under a relevant non-damage business interruption policy for losses relating to the coronavirus pandemic where the outcome of the claim, including issues of causation, may be affected by the final resolution in the test case, whether or not the insurer has declined the claim by issuing a declinature letter or has made an adjustment or deduction for general causation.”\nYour claim fell within the above definition and was therefore impacted by the High Court Judgment.\nThe FCA also commented:\n“Policyholders should not assume that simple inclusion of their policy wording in this case will mean their policies are responsive. We are seeking a judgment that will help policyholders and insurers have a much clearer view of which business interruption policies respond to the pandemic, and those that don’t. Therefore, the court may well dec","cbCaiti6Frf5X1GC","https://ap.wps.com/l/cbCaiti6Frf5X1GC","docx",88364,2,"English","en",105,"# Update on Financial Conduct Authority (FCA) Court Action\n## The outcome\n## Next steps\n## Background Q&As\n### What was the FCA Test Case about?\n### What policies were examined in the Test Case?\n### What was the outcome of the Test Case for your policy?\n### What happens next?\n### Where can you find further information?","[{\"question\":\"What was the FCA Test Case about?\",\"answer\":\"The Test Case addressed uncertainty in whether certain non-damage business interruption insurance policies respond to claims related to the coronavirus pandemic. The FCA described the proceedings as seeking legal guidance in the public interest, using policyholders’ arguments to their best advantage.\"},{\"question\":\"What outcome did the Test Case have for my policy?\",\"answer\":\"The High Court Judgment published on 15 September 2020 stated that Ecclesiastical’s business interruption policies do not cover losses arising from the Covid-19 pandemic. As your claim fell under that category, it was not covered under your policy.\"},{\"question\":\"Can the Judgment be appealed and what are the next steps?\",\"answer\":\"Appeals can still be made by the FCA and other parties in the Test Case, and permission from the Court would be required. The letter states Ecclesiastical will continue updating its website and will write again if significant changes occur.\"}]","Ecclesiastical - FCA Court Action Update Letter - Business Interruption Claim | DOCX",1788172445,{"code":4,"msg":30,"data":31},"ok",{"site_id":24,"language":23,"slug":32,"title":14,"keywords":33,"description":15,"schema_data":34,"social_meta":84,"head_meta":86,"extra_data":88,"updated_unix":28},"ecclesiastical-fca-court-action-update-letter-business-interruption-claim","",{"@graph":35,"@context":83},[36,52,66],{"@type":37,"itemListElement":38},"BreadcrumbList",[39,43,46,49],{"item":40,"name":41,"@type":42,"position":11},"https://docshare.wps.com","Home","ListItem",{"item":44,"name":45,"@type":42,"position":21},"https://docshare.wps.com/template/","Template",{"item":47,"name":13,"@type":42,"position":48},"https://docshare.wps.com/template/letters/",3,{"item":50,"name":14,"@type":42,"position":51},"https://docshare.wps.com/template/ecclesiastical-fca-court-action-update-letter-business-interruption-claim/165485/",4,{"url":50,"name":14,"@type":53,"author":54,"headline":14,"publisher":56,"fileFormat":59,"inLanguage":23,"description":15,"dateModified":60,"datePublished":60,"encodingFormat":59,"isAccessibleForFree":61,"interactionStatistic":62},"DigitalDocument",{"name":9,"@type":55},"Person",{"url":40,"name":57,"@type":58},"DocShare","Organization","application/vnd.openxmlformats-officedocument.wordprocessingml.document","2026-08-31",true,{"@type":63,"interactionType":64,"userInteractionCount":4},"InteractionCounter",{"@type":65},"ViewAction",{"@type":67,"mainEntity":68},"FAQPage",[69,75,79],{"name":70,"@type":71,"acceptedAnswer":72},"What was the FCA Test Case about?","Question",{"text":73,"@type":74},"The Test Case addressed uncertainty in whether certain non-damage business interruption insurance policies respond to claims related to the coronavirus pandemic. The FCA described the proceedings as seeking legal guidance in the public interest, using policyholders’ arguments to their best advantage.","Answer",{"name":76,"@type":71,"acceptedAnswer":77},"What outcome did the Test Case have for my policy?",{"text":78,"@type":74},"The High Court Judgment published on 15 September 2020 stated that Ecclesiastical’s business interruption policies do not cover losses arising from the Covid-19 pandemic. As your claim fell under that category, it was not covered under your policy.",{"name":80,"@type":71,"acceptedAnswer":81},"Can the Judgment be appealed and what are the next steps?",{"text":82,"@type":74},"Appeals can still be made by the FCA and other parties in the Test Case, and permission from the Court would be required. The letter states Ecclesiastical will continue updating its website and will write again if significant changes occur.","https://schema.org",{"og:url":50,"og:type":85,"og:title":14,"og:site_name":57,"og:description":15},"article",{"robots":87,"canonical":50},"index,follow",{"doc_id":7,"site_id":24},{"code":4,"msg":5,"data":90},[91,96,101,106,111,116,121,124,129],{"id":92,"doc_module":11,"doc_module_name":45,"category_name":93,"show_sort_weight":94,"slug":95},11,"Presentations",90,"presentations",{"id":97,"doc_module":11,"doc_module_name":45,"category_name":98,"show_sort_weight":99,"slug":100},12,"Resumes",80,"resumes",{"id":102,"doc_module":11,"doc_module_name":45,"category_name":103,"show_sort_weight":104,"slug":105},14,"Invoices",70,"invoices",{"id":107,"doc_module":11,"doc_module_name":45,"category_name":108,"show_sort_weight":109,"slug":110},15,"Posters",60,"posters",{"id":112,"doc_module":11,"doc_module_name":45,"category_name":113,"show_sort_weight":114,"slug":115},16,"Social Media",50,"social-media",{"id":117,"doc_module":11,"doc_module_name":45,"category_name":118,"show_sort_weight":119,"slug":120},17,"Forms",40,"forms",{"id":12,"doc_module":11,"doc_module_name":45,"category_name":13,"show_sort_weight":122,"slug":123},30,"letters",{"id":125,"doc_module":11,"doc_module_name":45,"category_name":126,"show_sort_weight":127,"slug":128},21,"Paper Templates",5,"papers-templates",{"id":130,"doc_module":11,"doc_module_name":45,"category_name":131,"show_sort_weight":4,"slug":132},158,"General","general-158"]