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Coronavirus in the UK - news, lockdown and discussion

There's an interesting post in the Hamlet forum about the likelihood of pubs/businesses successfully getting insurance cover for lost revenue from the virus. 'Very unlikely' seems to be the opinion.


I pointed this out days ago, if businesses haven't pay out extra for 'pandemic cover', they can't expect insurance companies to pay out.

You wouldn't expect your car insurance to pay out if you haven't taken out house insurance, and your house burnt down.
 
I pointed this out days ago, if businesses haven't pay out extra for 'pandemic cover', they can't expect insurance companies to pay out.

You wouldn't expect your car insurance to pay out if you haven't taken out house insurance, and your house burnt down.
However, if you take out compulsory closure-by-notifiable-disease insurance, you might be peeved should said insurer later refuse to pay out when you are forced to close your business because of a notifiable disease.
 
Kaka Tim

Maybe the single most important article I've read on this, that must be got to journalists ASAP and put to the CMO. It's very accessible and even has a memorable tag in "hammer and the dance".

If people believe that a lockdown could be over in weeks (no guarantees, but at least a realistic possibility), support would be much stronger.

When this is finally over, two burning questions: how did the modellers overlook the ability of testing, tracing and quarantine to offer an alternative to a lockdown of over a year; and how in the hell could any medical doctor sign off on the avoidable deaths of hundreds of thousands?
 
They'll close...many parents will be in an impossible situation. The concept of it working isn't in the equation...
I don’t know how long this lockdown will last for but I’m looking at my son not being able to play with another child now for how long? I’m also potentially not going to get to work but it’s that side of it, the thought of him being isolated like this, that’s made me realise it’s really not going to worth it. This could fuck so many kids up, yet I’ve no way to protect him from this. I didn’t give my consent to this. And as conscious as I am of infection control etc- I can’t square this in my head as being ok.
 
Trying to track down the video just shown on BBC Newscast by a critical care nurse, Clair who has just done 48 hrs in clinic, goes to the s/market and can't get anything, she doesn't hold back, righthly excoriates the hoarders, looters really, harrowing and needs sharing.
Dawn Bilbrough was on news at 10 tonight at 20 mins 18 seconds in
 
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The government is appealing for farm workers.

Coronavirus: Urgent appeal for Brits to work on farms

Some 70,000 seasonal workers are usually required annually on British farms – with many coming from overseas. But travel restrictions and tighter border controls are having a significant effect on the number of people able to travel to the UK.

With the soft fruit harvest due to get fully under way next month, labour provider Hops Labour Solutions said seasonal workers were urgently needed to help pick and process fruit and vegetables on farms and in packhouses.
 
I'm a lifelong cynic and a supermarket worker and I loudly predicted to an annoying degree to everyone who works with me what we have seen in retail over the past two weeks - two or three highly publicised neccessities (bog roll, pasta, handgel) selling out, then survival items that most people don't usually buy (UHT and then soya milk, dried rice, multipacks of soap) and eventually, when people realised these items are unavailable, literally everything else. I finished work on Tuesday for a much-needed four-day break and, for my final hour, being sick of customers, assigned myself to cardboarding the aisle that used to stock big bags, clingfilm and tinfoil - all stripped clean, because you never know if you'll be called upon to cater for an impromptu buffet in the middle of the apocalypse :rolleyes: Most people's fridges are now full so the fresh fruit and veg, ready meals etc should reappear in the next couple of days, the toilet/kitchen rolls a few days later (as surely we all have enough now) and then this nonsense should be over.
 
However, if you take out compulsory closure-by-notifiable-disease insurance, you might be peeved should said insurer later refuse to pay out when you are forced to close your business because of a notifiable disease.

Very few, if any, businesses will have cover for this situation, even closure because of disease cover is normally designed/written to cover an outbreak on the premises that results in a forced closure. Policies are legal contracts, so if it's covered, it will be paid out, because there'll be very few claims.

The reason why cover is not largely available or taken out for these circumstances is probably due (a) no one ever thinking it was a possibility, or (b) they did, but realised if it was wildly available & taken up, and it actually happened, it would collapse the insurance industry, meaning claims wouldn't be paid out without the government stepping in anyway.

This is far too big for the industry to cover, only the government can cover this situation.
 
The policy is actively sold to businesses in the said sector, where compulsory-closure-by-notifiable-disease on the premises is an ever-present threat, by an insurer positioning itself as the specialist insurer for that sector, as an appropriate remedy against compulsory-closure-by-notifiable-disease on the premises. No additional cover options or add-ons are offered - it is not sold as ‘for some but not all notifiable diseases’.

A disparity between the expectations derived from what a customer is told they are covered for, and what marketing and promotional materials, and shorter policy statements, say they are buying, and what a final, long-form contract might (or might not) say, might, a reasonable person could say, amount to mis-selling. Especially if, as in this instance, it was not limited to one business, or two businesses, or ten businesses, but extended to an entire sector.
 
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A disparity between the expectations derived from what a customer is told they are covered for, and what marketing and promotional materials, and shorter policy statements, say they are buying, and what a final, long-form contract might (or might not) say, might, a reasonable person could say, amount to mis-selling. Especially if, as in this instance, it was not limited to one business, or two businesses, or ten businesses, but extended to an entire sector.

Which is why it's always worth finding a good insurance broker who will review your requirements and explain the options of cover available.
 
They've already cancelled recycling collections here in anticipation of people not being able to work.
Been wondering about that. Are you in uk? Could get grim really fast as it warms up with lots of people (incl me) already on one bin collection every 2 weeks.
 
Key worker list summarised here:


You’re better off with the official publication, it’s more detailed and comprehensive. The guardian has been as bit slipshod there, especially in the companion article which says children where just one parent is a key worker should go to school, which is completely opposite to the actual situation.

Guidance for schools, colleges and local authorities on maintaining educational provision
 
Quite interesting - reponses to a survey on whether or not people think london should now be 'locked down'.Majority of the people they asked say yes. You can click to see differences in views for different demographics.
 
Thats all very well but describe lock down. Transport being stopped (not possible), pubs, clubs, theatres, museums being closed, if not an "essential" worker, stay home, no going out.......
 
Anecdotes on twitter that lots of people are leaving London to go to parents' or their country homes, merrily spreading the virus as they go. It's another fuck-up that the government hasn't even discouraged people from doing it, let alone done anything to stop them.
 
Thats all very well but describe lock down. Transport being stopped (not possible), pubs, clubs, theatres, museums being closed, if not an "essential" worker, stay home, no going out.......
The same thing as is going in France Spain Italy Switzerland California etc, is how i imagine it. Don't think Johnson will have the guts to do it until he can blame someone else for forcing him to, Khan maybe.
 
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