Financial Difficulty

Is help available if I'm struggling to make my monthly insurance payments?

People across the UK are struggling with the increased cost of living. If you’re having financial problems and are struggling with your monthly insurance payments, please contact Close Brothers Premium Finance direct on 0333 321 8566 (Open Monday to Friday, 8:30am-6pm) who will discuss how they can help with your payments.

For any other business-specific insurance queries, call 0345 366 6352 (Open Monday to Friday, 9am-6pm)

Please don’t cancel any payments or Direct Debits through your bank as this may affect your policy, credit rating or your ability to borrow.

You can also find free and impartial advice here:

The UK Government’s cost of living support page

Money Helper’s money navigator tool

The Business Debt Line

Coronavirus - The Supreme Court has ruled that some Business Interruption policies must pay for losses due to COVID-19, does this mean that I am covered after all?

Policies arranged by Churchill Expert were not included in the FCA's test case and are not impacted by the outcome of the Supreme Court ruling on business interruption. Our standard commercial policies provide cover for business interruption for a list of specified diseases. In addition, any claim for denial of access requires there to have been physical damage to property in order for the policy to provide cover. Regarding any potential claims for closure by a public authority, there's an exclusion for infectious or contagious disease. Consequently, irrespective of the Supreme Court ruling, there is no cover for business interruption for the COVID-19 pandemic.

The FCA website has useful information on the outcome of the FCA Test Case and Supreme Court ruling on Business Interruption.