Many businesses making claims under business interruption insurance policies for losses resulting from business closures, due to the Covid pandemic and restrictions imposed by the Government, suffered a rejection of such claims by many of the insurance companies.  On 15 September 2020 to court heard a test case brought by the Financial Conduct Authority and the decision opens the door for many businesses to challenge decisions to reject claims made under such policies of insurance.  We comment on two of the most important points disaffected business should consider