Rental Property Decision Reference 2022-0238

Case OutcomeRejected
Subject MatterRental Property
Reference2022-0238
Date20 July 2022
Finantial SectorInsurance
Conducts Complained OfRejection of claim,Delayed or inadequate communication, Poor wording/ambiguity of policy
Decision Ref:
2022-0238
Sector:
Insurance
Product / Service:
Rental Property
Conduct(s) complained of:
Rejection of claim
Delayed or inadequate communication
Poor wording/ambiguity of policy
Outcome:
Rejected
LEGALLY BINDING DECISION OF THE FINANCIAL SERVICES AND PENSIONS OMBUDSMAN
The Complainant is a landlord, and he held a Commercial Property Owners Policy with the
Provider. The policy period in which this complaint falls, is from 27 January 2020 to 26
January 2021. This complaint concerns the Provider’s rejection of the Complainant’s claim
for loss of rental income as a result of his tenants’ temporary closure due to measures
imposed by the Government to curb the spread of the coronavirus (COVID-19).
The Complainant’s Case
The Complainant submitted a claim to the Provider in February 2021 for the loss of rental
income as his tenants, trading as hairdressers, were unable to pay him rent between March
2020 and June 2020, due to the closure of the tenants’ business during that period, as a
result of measures imposed by the Government to help curb the spread of COVID-19.
In making his claim, the Complainant notes that under Section 2, ‘Loss of Rent’, of the
applicable Commercial Property Owners Insurance Policy Document, the ‘Section
Definitions’ includes:
3. NOTIFIABLE DISEASE
Illness sustained by any person resulting from:
(a) food or drink poisoning
(b) any human infectious or human contagious disease (excluding Acquired Immune
Deficiency Syndrome (AIDS)) an outbreak of which the competent local authority
has stipulated must be notified to them.

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