MS Amlin recognises the challenges facing policyholders as premises are forced to close temporarily due to the Government’s announcements in response to the current Coronavirus pandemic. 

We will keep the situation under constant review but until further notice, where (and only where) your premises have had to temporarily close due to UK Government’s announcement on 23rd March 2020 and once your premises become unoccupied, as defined in the policy:

  • any standard requirements imposed by any Unoccupancy Conditions in your Policy will be suspended in respect of those premises; and
  • your insured perils will remain unchanged.

You must, though, continue to comply with all other terms and conditions in your policy, particularly those with regard to ensuring that existing security measures are maintained and that your premises are secure from unauthorised entry. You must also take appropriate steps to mitigate risks associated with premises which have had to close, by following the relevant guidelines set out below.  

Temporary Closure of Construction Sites
Temporary Closure of Premises
Partial Closure of Premises

Please note that this relief does not apply where either your premises were already unoccupied (as defined in your policy) prior to the UK Government’s announcement on 23rd March 2020 or if special terms on unoccupancy have previously been imposed on your policy.

If you have any concerns about following these guidelines or if special requirements have previously been imposed on your Policy regarding unoccupancy, then please contact your usual MS Amlin contact and we will work with you to try to find a solution.