Does the Supreme Court ruling on business interruption cover mean that I am covered for loss of income?

The UK Supreme Court decision on the business interruption test case in January 2021 only applies to commercial (business) policies and only those that have a notifiable disease extension within their business interruption cover. It does not affect loss of rental income cover on Leisuredays policies.

Unfortunately you are only covered for loss of rental income where your holiday home is uninhabitable as a result of damage that is covered by our policy (e.g. as a result of a flood or fire). Coronavirus (COVID-19) does not cause damage to your property directly, so unfortunately any loss of rental income is not covered in these circumstances.

If you have a commercial insurance product with another provider, it is possible you may have ‘business interruption’ cover elsewhere.

Government grants might be available for rate-paying, self-catering accommodation owners. If you use a letting agent, please contact them to seek advice on handling cancelled holiday bookings and to understand what support is available.