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Insurance Claim - Loss of Income
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Yorkshire Lass



Joined: 06 Sep 2010
Posts: 198
Location: North Yorkshire

PostPosted: Fri Jul 24, 2020 10:49 am    Post subject: Reply with quote

Our policy is through Argenta (bought via their agents Simpson & Parsons). This particular policy which has a specific 'notifiable disease' clause is one of the selected policies the judges are looking at in the current test case the FCA have taken forward. Just wondered if any other owners on here have the same policy - feel free to pm me.
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Tealight



Joined: 28 May 2018
Posts: 5
Location: Southern England

PostPosted: Wed Aug 19, 2020 2:22 pm    Post subject: Reply with quote

I have had my renewal quote through and "notifiable disease" has now been excluded and now it is just "natural disaster". And my insurance is £100 higher than last year!
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Walter



Joined: 09 Dec 2020
Posts: 2
Location: North Devon

PostPosted: Fri Jan 01, 2021 1:49 pm    Post subject: Reply with quote

zebedee wrote:
I think any affected members of the forum should get together and share notes.
I’ll pm you. Hopefully others will make contact


Hello

I am new to this forum as I recently found it when looking into my claim for denial of access to my holiday let under an insurance policy set up through Schofields so wanted to share my experience and see if anyone else has had a similar experience.

I let the property through Sykes and have been made an offer for loss of profit under the denial of access clause for bookings that were cancelled or postponed on or after 23rd March which were originally due to take place during the initial period of the English lockdown. However, in the week before 23rd March when essential travel was only government advice, I allowed a number of customers with holidays booked for April and May to postpone their original holiday to a date in 2021. The loss adjuster is saying that these bookings are not covered as the government order was not made until 23rd March. If we had refused to allow customers to make amendments until after 23rd March then these would have been covered under the policy.

I don't think it is clear whether these bookings should be covered or not. Have any other members had a similar experience and, if so, had any success challenging it?
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Joanna



Joined: 23 Aug 2007
Posts: 1015
Location: Chester, North West England & Sidmouth, East Devon

PostPosted: Fri Jan 01, 2021 2:21 pm    Post subject: Reply with quote

Hi Walter, we're with Schofields and they wouldn't cover any bookings that were postponed or cancelled before 23rd March. In our case that wasn't a big deal so we didn't pursue it. I believe some owners have managed to get cover from 16th March as there was an announcement then that would be relevant. Try the Schofields Facebook Group - the details are on there somewhere:
https://www.facebook.com/groups/schofieldsgroup
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Joint owner of Baker's Cottage in Chester & Chandler's Cottage in Sidmouth
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Walter



Joined: 09 Dec 2020
Posts: 2
Location: North Devon

PostPosted: Sat Jan 02, 2021 12:34 pm    Post subject: Reply with quote

Thanks Jo. My partner has requested to join that Facebook group on a couple of occasions but has not been granted access. It's interesting to hear that others have had success though, so I will query again with Schofields.

Thanks again for your help.
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zebedee



Joined: 12 Sep 2014
Posts: 1205
Location: yorkshire dales

PostPosted: Sat Jan 02, 2021 2:58 pm    Post subject: Reply with quote

Walter wrote:
Thanks Jo. My partner has requested to join that Facebook group on a couple of occasions but has not been granted access. It's interesting to hear that others have had success though, so I will query again with Schofields.

Thanks again for your help.


I had to set up a personal Facebook page before I was allowed to join (I have one for the cottage, but resisted getting one for myself till that point.)

I’m afraid you will find claims cancelled 16-23 March for stays during the pandemic have been refused as the “decree” had not been made at that point. People have complained so there may be news about the outcome of complaints yet to come.
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