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Post by Topper Gas on Mar 16, 2020 21:10:48 GMT
I suggested this in a separate thread but with the added condition that we scrap the Play Offs for this season as that will save two or three weeks and just put up the number of teams required in the order they finish. Not a bad shout. Seems strange that the tube , train stations, theatres , cinemas , schools etc are still open but football was the first to go. Personally I think that a month total lockdown would probably be best rather than just this thing here , that one there. I feel that it’s being managed in the very typical disaster capitalist way that we’ve come to expect from our government. There's no way you can close down public transport as nobody could get to work, the Government view is you shouldn't go to theatres etc so I doubt they'll even bother opening going forward, given children don't seem to be affected by CV then I guess there's some logic in keeping them open. Although football was initially called off by the EFL not the Government anyway.
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Post by Jomo on Mar 16, 2020 21:24:27 GMT
Not a bad shout. Seems strange that the tube , train stations, theatres , cinemas , schools etc are still open but football was the first to go. Personally I think that a month total lockdown would probably be best rather than just this thing here , that one there. I feel that it’s being managed in the very typical disaster capitalist way that we’ve come to expect from our government. There's no way you can close down public transport as nobody could get to work, the Government view is you shouldn't go to theatres etc so I doubt they'll even bother opening going forward, given children don't seem to be affected by CV then I guess there's some logic in keeping them open. Although football was initially called off by the EFL not the Government anyway. Just a small point...children are not "not affected". They can still contract it and therefore can still spread it to more vulnerable people. Then you have to consider that sadly not every child is invincible. Plenty with underlying health issues that would make them just as high risk as any other vulnerable person.
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Post by Topper Gas on Mar 16, 2020 22:25:32 GMT
Just come across this comment after Boris's earlier announcement:
"But the social restrictions the government has now announced will have to stay in place for at least five months and maybe longer."
Assuming that's correct then we may as well forget about this season ever being completed. Although the worry now must be whether there will be any clubs left to support if this does drag on for so long.
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Post by socrates on Mar 16, 2020 23:08:46 GMT
There's no way you can close down public transport as nobody could get to work, the Government view is you shouldn't go to theatres etc so I doubt they'll even bother opening going forward, given children don't seem to be affected by CV then I guess there's some logic in keeping them open. Although football was initially called off by the EFL not the Government anyway. Just a small point...children are not "not affected". They can still contract it and therefore can still spread it to more vulnerable people. Then you have to consider that sadly not every child is invincible. Plenty with underlying health issues that would make them just as high risk as any other vulnerable person. And as a parent who takes their kid to school I can confirm that 15 minutes every morning taking my child to school and 15 minutes every afternoon in the play ground picking them up amounts to much more physical contact and range of 2 metres + around people over a 5 day week than 90 minutes once a week at a football ground. I’m not saying that the fa are wrong to postpone football I think it makes sense but I do think that Boris Johnson has tonight thrown thousands of companies under the bus because he’s urged people to stay away from pretty much everywhere but hasn’t declared lockdown. Insurance companies are breathing a sigh of relief. Fingers in financial pies , all of them. The likes of Rees- mogg - doing cartwheels. Just when it looked like Brexit was the biggest political disaster capitalist movement in our history Johnson just said “ hold my beer”.
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Post by Jomo on Mar 17, 2020 7:11:41 GMT
Just a small point...children are not "not affected". They can still contract it and therefore can still spread it to more vulnerable people. Then you have to consider that sadly not every child is invincible. Plenty with underlying health issues that would make them just as high risk as any other vulnerable person. And as a parent who takes their kid to school I can confirm that 15 minutes every morning taking my child to school and 15 minutes every afternoon in the play ground picking them up amounts to much more physical contact and range of 2 metres + around people over a 5 day week than 90 minutes once a week at a football ground. I’m not saying that the fa are wrong to postpone football I think it makes sense but I do think that Boris Johnson has tonight thrown thousands of companies under the bus because he’s urged people to stay away from pretty much everywhere but hasn’t declared lockdown. Insurance companies are breathing a sigh of relief. Fingers in financial pies , all of them. The likes of Rees- mogg - doing cartwheels. Just when it looked like Brexit was the biggest political disaster capitalist movement in our history Johnson just said “ hold my beer”. Exactly socrates, it stinks of corruption. I'm supposedly getting married later this year, and the insurance states that it won't pay out based on government "guidance". Funny that!! Fingers in financial pies indeed. We can expect plenty more "woolly" language over these restrictions in the days and weeks to come.
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Post by Deleted on Mar 17, 2020 7:33:57 GMT
With most teams having only 9 or so fixtures left maybe best way to sort final positions out would be to play them behind closed doors, two fixtures per week plus playoffs could be done and dusted by middle of May ?? Plus Clubs maybe able to get some revenue from TV coverage Sky BT IFOLLOW BBC QUEST ETC. Football behind closed doors never in this world,just scrap the season and let’s see how All this pans out.
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Post by Topper Gas on Mar 17, 2020 8:16:47 GMT
And as a parent who takes their kid to school I can confirm that 15 minutes every morning taking my child to school and 15 minutes every afternoon in the play ground picking them up amounts to much more physical contact and range of 2 metres + around people over a 5 day week than 90 minutes once a week at a football ground. I’m not saying that the fa are wrong to postpone football I think it makes sense but I do think that Boris Johnson has tonight thrown thousands of companies under the bus because he’s urged people to stay away from pretty much everywhere but hasn’t declared lockdown. Insurance companies are breathing a sigh of relief. Fingers in financial pies , all of them. The likes of Rees- mogg - doing cartwheels. Just when it looked like Brexit was the biggest political disaster capitalist movement in our history Johnson just said “ hold my beer”. Exactly socrates, it stinks of corruption. I'm supposedly getting married later this year, and the insurance states that it won't pay out based on government "guidance". Funny that!! Fingers in financial pies indeed. We can expect plenty more "woolly" language over these restrictions in the days and weeks to come. Insurance companies don't have unlimited funds, there's no way they could meet claims from every pub etc in the UK, they have to go bust themselves, which would then create another financial crisis. Plus general "Acts of God" causing the closure won't be covered anyway. Assuming football clubs etc fall under the entertainment businesses now being forced to close and so go bust then can football itself even survive, if their stadiums are now closed for months.
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Post by Topper Gas on Mar 17, 2020 8:29:33 GMT
And as a parent who takes their kid to school I can confirm that 15 minutes every morning taking my child to school and 15 minutes every afternoon in the play ground picking them up amounts to much more physical contact and range of 2 metres + around people over a 5 day week than 90 minutes once a week at a football ground. I’m not saying that the fa are wrong to postpone football I think it makes sense but I do think that Boris Johnson has tonight thrown thousands of companies under the bus because he’s urged people to stay away from pretty much everywhere but hasn’t declared lockdown. Insurance companies are breathing a sigh of relief. Fingers in financial pies , all of them. The likes of Rees- mogg - doing cartwheels. Just when it looked like Brexit was the biggest political disaster capitalist movement in our history Johnson just said “ hold my beer”. Exactly socrates, it stinks of corruption. I'm supposedly getting married later this year, and the insurance states that it won't pay out based on government "guidance". Funny that!! Fingers in financial pies indeed. We can expect plenty more "woolly" language over these restrictions in the days and weeks to come. Insurance companies don't have unlimited funds, there's no way they could meet claims from every pub etc in the UK, they have to go bust themselves, which would then create another financial crisis if none of us had valid car insurance etc.
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Post by Jomo on Mar 17, 2020 8:48:24 GMT
Exactly socrates, it stinks of corruption. I'm supposedly getting married later this year, and the insurance states that it won't pay out based on government "guidance". Funny that!! Fingers in financial pies indeed. We can expect plenty more "woolly" language over these restrictions in the days and weeks to come. Insurance companies don't have unlimited funds, there's no way they could meet claims from every pub etc in the UK, they have to go bust themselves, which would then create another financial crisis if none of us had valid car insurance etc. True, but insurance companies by their nature to survive are all too willing to take everybody's premiums, but very much less willing to fork out themselves. Don't get me wrong, I'd be the same if I worked in insurance, it's their whole business model. I just hate it! We have obligations to pay for insurance on everything, but when push comes to shove they often find ways of weasling themselves out of paying out.
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Post by Deleted on Mar 17, 2020 9:29:47 GMT
With most teams having only 9 or so fixtures left maybe best way to sort final positions out would be to play them behind closed doors, two fixtures per week plus playoffs could be done and dusted by middle of May ?? Plus Clubs maybe able to get some revenue from TV coverage Sky BT IFOLLOW BBC QUEST ETC. Football behind closed doors never in this world,just scrap the season and let’s see how All this pans out. And we’ll then be waiting on dozens of multi million pound lawsuits which will hold up the start of the following season. The current domestic season with a small amount of games left to play must get completed no matter how much of a delay. If that means playing behind closed doors for a while so be it.
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Post by Deleted on Mar 17, 2020 9:36:21 GMT
Insurance companies don't have unlimited funds, there's no way they could meet claims from every pub etc in the UK, they have to go bust themselves, which would then create another financial crisis if none of us had valid car insurance etc. True, but insurance companies by their nature to survive are all too willing to take everybody's premiums, but very much less willing to fork out themselves. Don't get me wrong, I'd be the same if I worked in insurance, it's their whole business model. I just hate it! We have obligations to pay for insurance on everything, but when push comes to shove they often find ways of weasling themselves out of paying out. Sorry but that is just garbage. As an example the area of insurance that I work in pays approximately 96/97% of claims. Claims that do get rejected can be referred to the Ombudsman and they take a very pro consumer approach and will try really hard to find a reason to make a judgement against the insurer. Everyone moans about the cost of premiums but then expects 100% of claims to be paid. Not sure that model would work for too long.
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Post by Jomo on Mar 17, 2020 9:52:00 GMT
True, but insurance companies by their nature to survive are all too willing to take everybody's premiums, but very much less willing to fork out themselves. Don't get me wrong, I'd be the same if I worked in insurance, it's their whole business model. I just hate it! We have obligations to pay for insurance on everything, but when push comes to shove they often find ways of weasling themselves out of paying out. Sorry but that is just garbage. As an example the area of insurance that I work in pays approximately 96/97% of claims. Claims that do get rejected can be referred to the Ombudsman and they take a very pro consumer approach and will try really hard to find a reason to make a judgement against the insurer. Everyone moans about the cost of premiums but then expects 100% of claims to be paid. Not sure that model would work for too long. Apologies eric, as usual my post is probably symptomatic of anyone that takes a less-than-sympathetic and frankly misinformed view of an industry that we don't work in. I only speak from my own experience, which granted again does not represent the industry as a whole.
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Post by Topper Gas on Mar 17, 2020 9:57:31 GMT
True, but insurance companies by their nature to survive are all too willing to take everybody's premiums, but very much less willing to fork out themselves. Don't get me wrong, I'd be the same if I worked in insurance, it's their whole business model. I just hate it! We have obligations to pay for insurance on everything, but when push comes to shove they often find ways of weasling themselves out of paying out. Sorry but that is just garbage. As an example the area of insurance that I work in pays approximately 96/97% of claims. Claims that do get rejected can be referred to the Ombudsman and they take a very pro consumer approach and will try really hard to find a reason to make a judgement against the insurer. Everyone moans about the cost of premiums but then expects 100% of claims to be paid. Not sure that model would work for too long. You may pay 96% now but that's probably 1 in 10 of policyholders claiming, imagine if that was all 100% claiming. The Ombudsman aren't going to force a bankrupt ins. co to pay up they there for disputes not dealing with bankrupt insurers. Anyway as you're an insurance expert can you confirm what part of a business interruption would cover a business being closed due to a national CV outbreak?
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Post by stuart1974 on Mar 17, 2020 10:24:50 GMT
Sorry but that is just garbage. As an example the area of insurance that I work in pays approximately 96/97% of claims. Claims that do get rejected can be referred to the Ombudsman and they take a very pro consumer approach and will try really hard to find a reason to make a judgement against the insurer. Everyone moans about the cost of premiums but then expects 100% of claims to be paid. Not sure that model would work for too long. You may pay 96% now but that's probably 1 in 10 of policyholders claiming, imagine if that was all 100% claiming. The Ombudsman aren't going to force a bankrupt ins. co to pay up they there for disputes not dealing with bankrupt insurers. Anyway as you're an insurance expert can you confirm what part of a business interruption would cover a business being closed due to a national CV outbreak? That would depend on the specifics of the insurance taken out. I agree with Eric that most claims are processed, many in full and not all will have exclusion clauses and reinsurance will help mitigate losses. The Chancellor will announce financial help to businesses later, we'll know more then.
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Post by Deleted on Mar 17, 2020 10:28:54 GMT
Sorry but that is just garbage. As an example the area of insurance that I work in pays approximately 96/97% of claims. Claims that do get rejected can be referred to the Ombudsman and they take a very pro consumer approach and will try really hard to find a reason to make a judgement against the insurer. Everyone moans about the cost of premiums but then expects 100% of claims to be paid. Not sure that model would work for too long. Apologies eric, as usual my post is probably symptomatic of anyone that takes a less-than-sympathetic and frankly misinformed view of an industry that we don't work in. I only speak from my own experience, which granted again does not represent the industry as a whole. No worries. I don’t like insurance companies but for different reasons!!!
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Post by Deleted on Mar 17, 2020 10:51:20 GMT
Sorry but that is just garbage. As an example the area of insurance that I work in pays approximately 96/97% of claims. Claims that do get rejected can be referred to the Ombudsman and they take a very pro consumer approach and will try really hard to find a reason to make a judgement against the insurer. Everyone moans about the cost of premiums but then expects 100% of claims to be paid. Not sure that model would work for too long. You may pay 96% now but that's probably 1 in 10 of policyholders claiming, imagine if that was all 100% claiming. The Ombudsman aren't going to force a bankrupt ins. co to pay up they there for disputes not dealing with bankrupt insurers. Anyway as you're an insurance expert can you confirm what part of a business interruption would cover a business being closed due to a national CV outbreak? I assess income protection claims covering employers for their whole staff for long term sickness benefit. These generally have a 26 week waiting period where we pick up a percentage of salary to coincide with the expiry of the company sick pay. As things stand I wouldn’t expect this virus to cause too much of an issue with regard to new claim submissions but we may see people’s recovery and return to work delayed due to workplace and travel restrictions etc. There are certain rules actuaries follow to ensure the company has sufficient reserves to support claims but this would never involve an expectation of 100% all claiming. i certainly wouldn’t call myself an insurance expert since their are hundreds of different types of insurance cover so I can only talk about the field I’m in. Not sure what you mean by your second paragraph anyway.
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Post by Gassy on Mar 17, 2020 11:13:23 GMT
Sounds to me the insurance companies are lobbying the Tories with this announcement.
Disgraceful industry tbh.
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Post by Jomo on Mar 17, 2020 11:22:34 GMT
Sounds to me the insurance companies are lobbying the Tories with this announcement. Disgraceful industry tbh. That's how it came across to me to be honest.
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Post by Gassy on Mar 17, 2020 11:28:37 GMT
Sounds to me the insurance companies are lobbying the Tories with this announcement. Disgraceful industry tbh. That's how it came across to me to be honest. Really sorry to hear about you wedding mate. Really terrible news. I'm living in central London (near Bank station) and I can tell you that whilst it's a tad quieter, there were still thousands of people on the streets this morning. My hope is that Boris is just trying this for now to see how people abide. Eventually he'll have to order home working and closures. Surely?
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Post by Kingswood Polak on Mar 17, 2020 11:30:35 GMT
Insurance companies don't have unlimited funds, there's no way they could meet claims from every pub etc in the UK, they have to go bust themselves, which would then create another financial crisis if none of us had valid car insurance etc. True, but insurance companies by their nature to survive are all too willing to take everybody's premiums, but very much less willing to fork out themselves. Don't get me wrong, I'd be the same if I worked in insurance, it's their whole business model. I just hate it! We have obligations to pay for insurance on everything, but when push comes to shove they often find ways of weasling themselves out of paying out. It really depends on the company and type of cover. One thing I have never been counting pennies over is the house insurance plus car. I get the full cover and pay a high premium but I have had several things go wrong, expensive things & I have had a no quibble and good experience. I’ve been with co-op since I can remember, they even paid for living in an hotel until the water damage had been totally sorted, 3 weeks of very good food and very nice hotel. Many don’t think about it, my ex for example, doesn’t even insure her house. I wonder how many more do that ?
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