Insurance refusing to consider my claim

Cfsk

On Jan 13th I booked a 3 day trip to Norway from 13 to 16 March. No travel advice from FCO.

I bought travel insurance on 27 Feb as I realised my annual trip cover had expired. 

On 12 March Norway announced late afternoon they would quarantine all new arrivals from outside Scandanavia for 14 days. An hour later my flights were cancelled.

I made a claim for hotel costs which weren't refunded and for 1 trip booked which I couldn't cancel and 50%of a kayak trip. An Fco advisory warning came out a couple of days later.

I have just received an email from Sainsburys insurance (CSA), refusing to consider my claim because of the following reason. I don't however feel this was a reasonably expected lockdown and quarantine at this point. 

It is noted that your reason for claiming is related to the Covid-19 outbreak and that your policy was purchased on the 27th of February 2020.

I kindly refer you to the below extract from the general exclusions on page 94 of the policy wording:

As the Coronavirus was something that was known about at the time of the policy’s inception, and taking into account the above mentioned general exclusion, I am regretfully unable to consider you claim further

Is there any realistic chance of me fighting this?

spiro

Two points which you won't like:
1) You should always take out insurance of the day you book a trip which you didn't do. I realise you had an annual policy but you should have checked.
2) If General Exclusions say Coronavirus are not covered then you are not covered. If it just says 'known issues' then you could try and fight it via Ombudsman.

Cfsk

Thanks and yes regretful... no it didn't specify coronavirus so we will try with ombudsman. Just said a reasonably predictable event and I guess my thiught is they were still happy to sell it to me and accept the risk in  Feb knowing the global situation 

Cfsk

Their policy exclusion is worded.. 
“Where insurance is arranged in circumstances where a claim might reasonably be anticlpated"