The European Tour Operators Association has made it clear that recent riots in our cities has not led to "any significant drop" in the amount of inbound tourists. However, if your business/ property was damaged or affected by the riots what possible avenues do you have to obtain some compensation to enable you to focus on rebuilding your business again?
- The first option is to consider whether you are covered by your insurance policy. It is vital that you contact your insurance company to notify them of any claim and ensure that they accept coverage for the losses you have suffered.
- In addition, individuals and insurance companies may be able to make a claim against their local police force for damage caused as a result of riots. The deadline for making such a claim has been extended to 42 days and covers destruction or damage to a house, shop or building or the contents of that building caused by riots. If an insurance company has indicated that it will cover your claim, it will also want to consider whether it should pass this claim on to the police.
Despite an ability to claim against the police for compensation in these circumstances, it would never be sensible for a hospitality business to avoid minimising an identified risk by not taking out insurance cover. While people who haven't got the benefit of insurance may obtain compensation from the police, they are unlikely to be able to claim the amounts that would be recoverable under an insurance policy.
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