Following Government advisory on COVID-19, we have temporarily closed our office premises as a safety measure for our staff and stake holders. During this period, our services will continue uninterrupted as our dedicated and customer centric work force will function as usual to provide optimum policy and claim services by working from their homes.
Care Homes Insurance - New India Assurance UK

Care Homes Insurance

This specially developed policy lets you get on with your day to day business and leaves us at New India to deal with the unexpected. Designed specifically for Care Homes, it combines your essential business insurances in one document.

When you take out a policy you will gain access to free Emergency Assistance and Legal & Tax Advice Helplines along with a Business Legal Services website resource all operated by ARAG plc.

Premium payments:

We understand the financial impact that Covid-19 is having on individuals and businesses across the country. A question you may be asking is:

‘As a result of Covid-19 what happens if I can’t afford to pay for my policy?’

Most of our Commercial and Retail Insurance policies are arranged via insurance brokers/MGAs, so in the first instance please contact your broker/MGA to discuss your needs and what assistance may be available.

If you have a direct debit under a Regulated Credit Agreement with New India Assurance and need our assistance please contact us on 01473 233626 between 9 am to 5pm Monday to Friday (excluding Bank Holidays).

FCA Test case:

Update to policyholders with potentially affected Covid-19 Business Interruption claims

Due to the widespread impact of the COVID-19 pandemic and the extent of repudiated insurance claims for business interruption, the Financial Conduct Authority (FCA) had decided to intercede in this matter. They sought to obtain legal Judgment on how a number of insurance products should respond to the COVID-19 outbreak and the subsequent Government Coronavirus Regulations. These are referred to as the “test case”.

The First Instance Judgment

The trial of the test case in the High Court commenced on 20th July 2020 and lasted 8 days. The Court examined 21 representative sample policy wordings issued by 8 different insurers. A decision by Lord Justice Flaux and Mr Justice Butcher of the High Court (also referred to as the ‘first instance judgment’) was delivered on Tuesday 15th September 2020.

That judgment is uploaded on our website here. It is complex, runs to over 150 pages and deals with many issues. The FCA website contains further information about the judgment, together with links to the judgment itself and a summary prepared by the solicitors that the FCA instructed in the case. This can be found at You may also wish to consider subscribing for email updates from the FCA, which can be done from the FCA’s Business Interruption webpage at There is information as to how the Financial Ombudsman is approaching business interruption insurance cases at

New India is still reviewing the test case judgment for any potential impact that it will have on claims made and any decision that may already have been made in it. We are also awaiting further information about whether any of the parties to the test case intend to appeal.

Potential to Appeal

Please note that the parties will now have time to consider the judgment and determine whether they would like to appeal it in part or in whole.

Any applications to appeal the decision will be heard at a further ‘consequentials’ hearing before the High Court scheduled for 2nd October 2020. The FCA and the Insurers have agreed that they will seek to have any appeal heard on an expedited basis, given the importance of the matter for so many policyholders and that consideration will be given to the possibility of a ‘leapfrog’ appeal to the Supreme Court (as opposed to any appeal going first to the Court of Appeal). If this happens, it is likely to speed up the process considerably.

According to the FCA’s Guidance, we are required to promptly assess all outstanding claims and reassess all rejected claims and complaints following the final resolution of the test case. The ‘final resolution’ of the test case occurs when the Court has determined the questions in the test case after all rights of appeal have been concluded.

Next Steps

As at the date of this update, it is unknown whether the parties will appeal the first instance judgment. Therefore, at this stage the first instance judgment cannot be considered as the ‘final resolution’ of the test case. If there is no appeal, we will reassess our decision and apply the first instance judgment to claims made in accordance with the FCA Guidance.

We have sent individual letters to all policy holders on 22nd Sep 2020 and will update again once we know the status of any appeal, in particular to inform policy holders whether we are required to make a final decision on Potentially Affected claims.

Dated: 22nd September 2020

Our standard policy includes cover for;

  • Trade Contents and Residents’ Clothing and Personal Effects
  • Landscaping as a result of damage by the Fire Brigade up to £5,000
  • Costs and expenses incurred in locating the source of any damage caused by Escape of Water or Oil up to £5,000
  • Accidental Damage to underground pipes, services and cables
  • Replacement of locks at the property following theft of keys up to £750
  • Loss of metered water up to £5,000
  • Breakage of fixed glass, sanitaryware and signs
  • Loss of Revenue and Increased Cost of Working
  • Book debts where accounts records are destroyed
  • Extensions include loss of income due to Denial of Access, Accidental Failure of public utilities, Notifiable Diseases, Defective Sanitation, Vermin or Pests and Murder or Suicide.
  • Costs of Alternative Accommodation expenses for Policyholder or employees where used for residential purposes up to £15,000
  • Money up to £2,500 with option to increase
  • Cover for bodily injury sustained directly as a result of assault or violence in connection with robbery or hold-up
  • Public Liability £5,000,000
  • Treatment Liability £5,000,000
  • Employers Liability £10,000,000
  • Goods in Transit up to £1,000
  • Refrigerated stock up to £1,000 following breakdown of refrigeration equipment

Further options available to include cover for;

  • Damage to Buildings including Debris Removal and Architects and Surveyors Fees
  • Reduction in the value of the business following loss of registration certificate up to £100,000
  • Loss of money or other property following dishonesty of employees up to £25,000
  • Legal Costs and Expenses up to the Limit of Indemnity selected relating to Employment Disputes, Employment Compensation Awards, Tax Protection, Property Disputes, Commercial Lease Disputes, Tenancy Protection, Compliance and Regulation, Directors Protection, Statutory Licence Protection, Contract & Debt Recovery and Crisis Communication.

Suitable Risks;

  • Care Homes for the Elderly (55+)
  • Care Homes for those 18+ with learning difficulties

Positive Features;

  • Low claims frequency
  • Trading history and experience
  • Superior security features
  • Disclosure and Barring Service Vetting for all staff
  • Low flood risk
  • Low Subsidence risk

Unacceptable Features;

  • Non-Standard Construction
  • Unoccupied risks
  • Unspent Criminal Convictions
  • Previous Liquidation / Bankruptcy / CVA
  • Service users under the age of 18
  • Those detained under the Mental Health Act 1983
  • Those displaying or with potential for displaying aggressive or violent behaviour
  • Those with a history of sexual offences, arson or attacks on persons or property
  • Those with a history of alcohol or drug dependence
  • Pre- and/or post-operative care
  • Surgery, endoscopy, haemodialysis, peritoneal dialysis or treatment by lasers


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Claims Information

Our Claim Promise

Attending to claims promptly, handling them efficiently through reputed, reliable and well-known firms of Loss Adjusters and settling the claims in a just, equitable and fair manner is New India’s philosophy to claims.

We handle claims with understanding, sympathy and appreciation of the claimant’s situation.

Making a Claim

  • Please report your claim immediately in accordance with your policy conditions to your Broker and to The New India Claims department using the number supplied below.
  • To ensure a faster, easier service please make sure you have your policy number and any other relevant details to hand.
  • In the event of any loss by theft or malicious damage to your property, this should be reported to the police immediately.
  • A claim form must be duly completed and submitted to The New India Claims department using the address or fax number below within 60 days of the loss/damage.

Please do not delay in contacting your Broker or the Claims Department of New India as soon as you are aware of a claim or possible claim, even if all the above information is not immediately available.

Commercial Claims Office