Forums Forums Local News No government help for New Ferry.

Not very good at empathy are you Granny. Its all very well telling people what they SHOULD have done. Hindsight is almost an exact science.

But have you looked at your own home insurance? What sort of cover would you have if a lunatic detonated a large bomb in the house across the road demolishing yours? I suggest you take a good look. An unpleasant surprise awaits unless I'm mistaken.

Completely agree. I'm not without empathy but if a customer had suffered an injury in the shop prior to this then the business holder could have been in for a much bigger bill.

Watched a program a few weeks ago about a lady who was paralysed when a shop sign fell down and struck her as she entered the shop, the insurance payout was in the 7 figures!

That said, I agree that the government should be putting their hand in their pocket and helping out, ridiculous the support the residents of Grenfell have been given compared to New Ferry but you can't just shrug your shoulders and say someone else should be footing all the bill, people need to take responsibility for themselves at some point, home / contents insurance is not a big cost if shopped around for and should be made mandatory IMO.

How do you take responsibility for being injured or having your property destroyed?

We give money to the Government for this purpose they hold funds for it, they have an obligation to give it back when needed!

The authorities spend a fortune on various emergency and recovery training, exercises, conferences, committees, agencies and sectors. What is the point when as in a case like this they choose to do the minimum that could have been written on the back of a fag packet during a TV advertising break.

From the Government's guidance on the subject of recovery funding ....



SOURCE

home / contents insurance is not a big cost if shopped around for and should be made mandatory IMO. [/quote]

Like so many things,when you are on the breadline and struggling something has to be forsaken and insurance will always go by when the choice is bread or insurance.
The awful thing about New Ferry is that HM gov did promise to help and have now reneged.This confirms the idea that we really do have a North/South divide when it comes down to Government spending.

Of course there is a North South Divide. Arts spending in London is about £80 a head. In Merseyside its more like £2.

I saw that Gompertz fellow - the Beeb's arts pimp - attempt to justify this on the grounds that London has more arts treasures than anywhere else in the UK.

This is - in plainer English - is saying more money needs to be given to the rich because they are richer.

I suspect that a lot of the anti-EU campaign stemmed from the fact that this became more difficult under EU rules. However, I suspect that London may be in for a hard time as the Banking industry departs for Paris, Brussels, Frankfurt etc. It won't be as hard a time as the rest of us suffer of course, but we are used to it.

Like so many things,when you are on the breadline and struggling something has to be forsaken and insurance will always go by when the choice is bread or insurance.
The awful thing about New Ferry is that HM gov did promise to help and have now reneged.This confirms the idea that we really do have a North/South divide when it comes down to Government spending.
[/quote]

Yes, I don't disagree that if it down to food or insurance, food wins in that instance and always should. I don't agree it is the same for business's, they should always have cover.

How many people our truly at that level though? I would wager that many people who "couldn't afford" contents insurance (£7 a month when I had my flat) still had a mobile / sky TV etc.

I realise I am coming across as harsh but as I said in my previous post, people make decisions based on the idea something is unlikely to happen and sometimes need to take responsibility when the worst does.

I liken it to the people who go abroad and don't spend a tenner on travel insurance then have a article in the Daily Fail with a justgiving link to get them home when they get sick.

If everyone of us in the Wirral chipped in i'm sure we could fund the rebuild!

My post was specifically concerning businesses, not home owners living in their own properties.

Businesses and businesses with 'Let' accommodation above the shops.

The owners of businesses were told by Wirral Magistrates to pay for demolition themselves or get their insurance to pay for it.
Properties number 56-66 Bebington Road to be demolished.

The Cleveland Pub didn't have any insurance cover...can you believe that ??

Many businesses opened again a week later.

Any home owners who were living in their own properties have my sympathy, as do those who were tenants in the flats above the shops, but rented properties are businesses and to my mind they should have all been insured.

Me wonders if insurance or govt money would only be for rebuild as is. I wonder if there are plans for regeneration of that area and the regeneration people would like to get their hands on any money.

Nail on the head, Fish


https://planetradio.co.uk/city/loca...losion-expecting-update-clean-operation/

Cllr Warren Ward says they want to get businesses back trading again as soon as possible


"Obviously we've talked a lot about the humanitarian aspect of all this, but there is a serious economic aspect."


"This should be a thriving high street and we've been trying for years to regenerate this area"

Government policy specifically states that restitution money can be used for regeneration.

It makes sense, it would be silly to rebuild like for like then shortly afterwards rebuild it for regeneration.

Businesses really struggle to get buildings insurance, the premiums are sky high in areas where there have been claims or crime, if you have made a claim yourself or been broken into it gets even sillier. It doesn't surprise me at all that a pub would only have the legally required 3rd party and employers insurance.

She didn't have any insurance, not even cover to pay staff.

She must have Employers Liability Insurance otherwise she wouldn't have broached the subject as that is an offence.

I thought 3rd party insurance (Public Liability) was compulsory for businesses that have customers/suppliers on their premises but it turns out its not.

Very few businesses will have insurance that covers staff wages in the event of lay-off and few will have insurance that covers full loss of income.

When we where giving first aid on the night people came out of the cleveland fighting !

Nice for you, Pacef8 !

@ DD. I understood it to be she didn't have any insurance, so I apologise for getting it wrong.

IanGsi16v is right though, for what she and others have lost it was probably 'it won't happen here' sort of attitude.

http://www.bbc.co.uk/news/uk-england-merseyside-39418764

Ann Grimes, 44, who has run the Cleveland pub for three years, said: "I don't have insurance to cover wages or losses