VARIOUS EATERIES TRADING LTD V ALLIANZ INSURANCE PLC

[2024] EWCA Civ 10, Court of Appeal, Sir Julian Flaux (Chancellor), Lord Justice Newey and Lord Justice Males, 16 January 2024

Insurance (business interruption) – COVID-19 – Triggers of coverage – Commencement of indemnity period – Recoverability of losses after expiry of policy – Causation – Aggregation

VE operated ten restaurants in or near London, each of which was unable to operate either at all or fully from 20 March 2020 by reason of COVID-19 restrictions.