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Ceredigion MP welcomes High Court ruling on Covid-19 business interruption insurance

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HOLDERS of business interruption insurance have welcomed a victory in a High Court test case to determine whether the Covid-19 pandemic should trigger payouts under their policies.

The Financial Conduct Authority (FCA) brought a test case earlier this year over the wording of business interruption (BI) insurance policies, which some insurers argue do not cover pandemics.

The FCA previously said it was bringing the legal action following widespread concern over the lack of clarity and certainty for businesses seeking to cover substantial losses incurred by the Covid-19 pandemic and subsequent national lockdown.

The FCA selected a representative sample of 17 policy wordings used by 16 insurers, which were considered at an eight-day hearing in July.

Eight insurers agreed to assist the FCA by taking part in the test case, which the regulator has said it hopes will provide clarity and certainty for everyone involved in these BI disputes, policyholder and insurer alike.

The High Court judges ruled that pay-outs should put businesses back in the position they would have been in had Covid-19 never occurred.

According to FCA estimates, the findings could affect as many as 370,000 policyholders one way or another — and each successful claim could potentially run to tens of thousands of pounds.

Ben Lake MP has been following this case closely after raising the matter with the UK Chancellor on behalf of many Ceredigion businesses. In response to today’s ruling, Ben Lake MP said:

“This is a significant judgement. Covid-19 has caused substantial disruption to businesses across the county, and many are under immense financial strain as a result. By making existing insurance policies effectively worthless during this crisis, many insurance companies have left businesses out of pocket and have damaged trust both in the market and in the Government containment measures.

“I therefore welcome the actions taken by the Financial Conduct Authority, and I hope that following today’s High Court ruling the UK Government will do its utmost to ensure that the insurance industry takes effective, fair and immediate action to assist businesses that fell foul of their original interpretation of these policies.”

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New Quay RNLI rescue two people in the water

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ON FRIDAY (Jul 16), New Quay RNLI’s inshore lifeboat was requested to launch by HM Coastguard following reports of two people in the water off Ynys Lochtyn, near Llangrannog, having capsized their kayak. 

At 10.40am New Quay’s inshore lifeboat Audrey LJ launched with three volunteer crew members on board and made good speed down the coast in excellent weather conditions. 

Huw Williams, New Quay RNLI’s helm said, “When we arrived on scene we found one person had made it back onto the kayak and one still in the water. Both had been in the water for 30 minutes and were struggling in the tidal current so it was important that we got them on board to be assessed.  

“The Coastguard Rescue Helicopter was also tasked but was stood down after we confirmed that both casualties were safe and well, with no injuries. 

“Having got the casualties and the kayak onto the lifeboat we transferred them to Llangrannog beach where we handed over to the RNLI lifeguards and the New Quay Coastguard rescue team.” 

It was also a first shout for New Quay RNLI’s newest crew member, Will Best.  

Will is an international yachtsman and, sailing on the yacht Alegre, he has chalked up wins in both the Rolex Middle Sea and Giraglia Races. He was also navigator on board the winning 2011 Sydney to Hobart race boat Loki. As well as sailing competitively, Will specialises in the design and installation of electronic systems on Grand Prix race boats and super yachts. He has also worked with a number of America’s Cup and Volvo race teams.  

Roger Couch, New Quay RNLI’s Lifeboat Operations Manager said, “Will brings a wealth of seafaring knowledge and is a great addition to the crew. Welcome on board Will!” 

Will added, “It has been great to join the New Quay RNLI crew. They are a great team and I’m glad I’ve got my first shout under my belt.”

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Man, 22, charged with murder of John William Bell in Cardigan

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A CARDIGAN man has been charged with murder after a man’s death in Ceredigion.

Dyfed-Powys Police said 22-year-old Ashley Keegan, of Golwg y Castell, Cardigan, has been charged with his murder.

A Dyfed-Powys Police spokesperson said: “Dyfed-Powys Police can confirm that Ashley Keegan, aged 22, of Golwg y Castell, Cardigan, has been charged with the murder of John William Bell.

“Keegan will appear at Swansea magistrates court on Saturday 24th July 2021.

“John’s family continue to be supported by specialist officers and the investigation is grateful for the support of the community whilst enquiries were conducted.”

This is the second major incident in the same area this month.

Another man was charged with making threats with a knife, he is again from Golwg y Castell.

Dyfed-Powys Police said they received a number of calls reporting a man brandishing a knife towards another man in Maesyfelin, Cardigan, at around 4.20pm on Wednesday (July 14).

Several police units swiftly made their way to the area, but the suspect had fled.

Dean Thomas, aged 25, was quickly located at his home in Golwg y Castell, where he was arrested on suspicion of affray and taken to custody.

Mobile phone footage was gathered from people at the scene, and statements were taken from witnesses.

Cardigan Inspector Owen Williams said: “Thanks to the swift attendance of officers, there were a number of people present who were able to provide evidence to assist with our enquiries.
“Thomas also made a significant statement linking himself with the incident, and was charged within hours of being arrested.

“I hope the speed with which we carried out enquiries into this incident reassures people living in Maesyfelin, who were naturally very concerned by what had happened.”

Thomas was charged with threatening a person with a blade or sharply pointed article in a public place and appeared at Aberystwyth Magistrates’ Court on Thursday, July 15 where he admitted the offence.

He will be sentenced on July 29 at Swansea Crown Court.

In relation to the murder, anyone with information that could help officers with their investigation is asked to report it to Dyfed-Powys Police, either online at: https://bit.ly/DPPContactOnline, by emailing 101@dyfed-powys.pnn.police.uk, or by calling 101 and quoting Op Reedham. If you are deaf, hard of hearing, or speech impaired text the non-emergency number on 07811 311 908. Alternatively, contact the independent charity Crimestoppers anonymously by calling 0800 555111, or visiting crimestoppers-uk.org.

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Devastated family’s tribute to ‘loving and devoted’ son

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THE FAMILY of the 37-year-old man who died in Cardigan in the early hours of Wednesday morning (Jul 21) have said he will be “hugely missed by all that loved him”.

John Bell, who lived in the town, was found on the road to Cardigan Bridge at around midnight.

His family has issued this statement: “We are devastated at the loss of John.

“He was a loving and devoted Son, Brother, Father and Uncle and he will be hugely missed by all that loved him. 

“We ask for privacy at this time.”

John’s family is being supported by specially trained officers.

A 22-year-old man arrested on suspicion of murder remains in police custody.

Detective Superintendent Paul Jones said: “Our thoughts go out to John’s family at this very difficult time.

“We are currently focussing our investigation in Golwg Y Castell and the road between there and Cardigan Bridge, where Mr Bell was located.

“We are appealing for any witnesses who may have seen or heard an altercation in that area during the evening of Tuesday, 20 July, particularly the latter part of the evening, after 10pm, before police attended at around midnight.”

Anyone with information that could help officers with their investigation is asked to report it to Dyfed-Powys Police, either online at https://bit.ly/DPPContactOnline, by emailing 101@dyfed-powys.pnn.police.uk, or by calling 101. If you are deaf, hard of hearing, or speech impaired text the non-emergency number on 07811 311 908. Alternatively, contact the independent charity Crimestoppers anonymously by calling 0800 555111, or visiting crimestoppers-uk.org. Quote reference: DP-20210720-458.

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