COVID-19 BRIEFING FOR SME’S ISSUED AT 1130 hrs on 15th MAY 2020

OVERVIEW

In this Bulletin we cover:

HEALTH & WELLBEING OF CARE & ALLIED WORKERS

The Thursday night clapping for key workers is a measure of how much they are appreciated by the general population. Care workers, caterers, cleaners, nurses, occupational therapists, personal assistants, registered managers, social workers and others all have a crucial role in ensuring that the country’s needs are met during this very challenging time. Whilst most of the country is still expected to stay/work at home, this has not been an option for those providing care and support for people most in need.

Social care staff will be concerned about a range of matters including:

  • For some, the desire to continue to provide high-quality services will result in worry or anxiety – particularly when absences among colleagues are adding to individual workloads.
  • Social care staff will face challenges in their personal lives too and will be worried for themselves and their own families. This worry is heightened for those who are, or who have dependents at home that are, considered to be highly vulnerable and therefore have been advised to shield and take additional protective measures.
  • Whilst not all care workers have high-risk dependents, there are many who will have school-aged children and are balancing an increasing workload, looking after children and being less able to take time off
  • During a time where we are told to practise social distancing, the feeling of isolation will inevitably increase amongst those working alone in isolated services, including personal care assistants and domiciliary/home care workers.
  • Many registered managers are struggling to maintain resilience during a time of increased pressure and difficult decision making.
  • There is significant anxiety about access to personal protective equipment (PPE). It is vitally important that all of those providing care and support feel protected whilst doing their job.
  • There will be some care workers that are having to take time off work and may be facing additional financial worries as their income has been less than their usual pay.

This guidance in this Bulletin includes tips, advice and toolkits that employers and managers can use to help build the resilience of their team and address any concerns their staff may have. There is also a section that provides guidance on how all those working in social care can manage their personal mental health in the current circumstances. It is crucial that all those providing care and support, both employers and employees, take some time to think about their own colleagues, their residents and their own family’s health, safety and wellbeing.

Advice for Employers and Those Who are Self-Employed

Staff wellbeing and support

It is essential that employers are reinforcing the message that staff wellbeing remains an utmost priority. Some workers will face increased isolation in their work as well as their personal life and many will face a period of increased pressure and anxiety. There are some useful tips and advice available on how employers can take care of the wellbeing of staff at work:

  • Check in with team members regularly. It is important that connections with work and colleagues carry on for those working remotely or flexibly. Managers and employees should establish regular check-ins and try using video, when possible, to maintain face-to-face contact.
  • The British Psychological Society has put together a guide aimed at leaders and managers that provides practical advice on how to respond to how staff may be feeling during difficult phases of working and living through the pandemic.
  • Similarly, the Local Government Association has put together some key steps that they recommend employers take in order to support and protect the mental health of frontline staff at this time.
  • The Tavistock and Portman NHS Trust in partnership with the Chief Social Workers of England have developed guidance for the support and wellbeing of adult social workers and social care professionals.
  • Employers can encourage their teams to create a Wellness Action Plan and encourage them to share these with line managers. This is a personalised and practical tool for employees to use to identify how to address what keeps individuals mentally well at work and what can result in poor mental health. It also opens up a dialogue, helping supervisors better understand the needs and experiences of employees.
  • Registered managers can find advice on maintaining team resilience on the Skills for Care website. It includes 2 guides. One gives examples of things that can be done to reduce workplace stress and the other provides examples and case studies of adult social care employers that have developed the wellbeing of their staff by building resilience.

Support for registered managers

  • For registered managers, peer support is extremely important. Skills for Care has opened up its members Facebook group to other registered managers and frontline managers in similar roles. This is used to share advice, experiences and good practice.
  • Similarly, registered manager networks can offer local support and are establishing WhatsApp groups to allow registered managers to stay in touch.
  • Skills for Care have also opened a new advice telephone line (0113 241 1260) and email inbox ([email protected]) to provide registered managers with more support.

Support for those who work alone

  • For home care workers, personal assistants and those working in isolated services, the nature of their work may mean that they already feel isolated. Skills for Care provides guidance on how to support staff who regularly work alone. It includes a section on supporting mental health and wellbeing and on communication and support.
  • This is in addition to Skills for Care’s existing guidance for people who employ their own staff and personal assistants, which includes where to find information about local support.

Other useful guidance

  • To maintain the provision of good-quality care during the COVID-19 pandemic, it is essential that people who provide care and support can quickly and clearly communicate with primary care services, hospitals, community health services, local authorities, voluntary sector organisations, pharmacists and health services. There is practical guidance from Digital Social Care that has information on best practice for information sharing.
  • Digital Social Care has published lots of guidance and advice in response to the COVID-19 pandemic on how technology can be used to support staff and the people they care for. They have also set up a new helpline to help providers access practical advice to troubleshoot a technical problem or give in-depth one-to-one support. The helpline is open Monday–Friday 09:00–17:00 and can be contacted either by telephone (0208 133 3430) or email ([email protected]).

Wellbeing support

As an example, a Covid-19 support line has been set up for all staff employed by Barchester. This gives their staff the opportunity to unload or share any worries that they may be having with workers that have more experience of working in a care home and/or hospital environment. Specific guidance has been created for their staff that provides advice on health and wellbeing, remote line management and using technology to stay in touch with colleagues. The management team also continues to promote the use of health and wellbeing apps, such as Headspace and
Maudsley Learning.

Internal communications

We recommend that organisations produce a timetable of planned daily and weekly communication for all their staff, which seeks to recognise and thank their teams while continuing to provide corporate and official updates. We suggest engaging with staff in a variety of ways, including conference calls, vlogs, daily bulletins and letters.

Infection control

One of the biggest worries for social care staff is whether they can keep both those they care for and themselves safe by effectively managing the risk of infection. The Government has published guidance on the steps that care homes should take in order to reduce the risk of infection and how all care providers should respond to staff concerns regarding personal protective equipment (PPE) and isolation protocols.

Employees that are clinically ‘extremely vulnerable’

Government guidance states that employees defined as belonging to a clinically ‘extremely vulnerable’ group are strongly advised, and should be supported, to stay at home. There are a number of ways employers can support those people who need to do so:

  • Encourage employees in the clinically ‘extremely vulnerable’ group to stay at home. Many will be worried about the sector struggling without them working. Reassure them that the best option is for them to stay at home.
  • Keep in touch – isolation can result in people feeling extremely lonely. Check in with employees every now and then to discuss their wellbeing. Use video calls when possible.
  • Finances may be of increasing concern for employers if a number of workers have to stay at home. Below is some advice on what employers should be providing for their staff financially and what Government initiatives care providers are eligible for. For those organisations that are unable to financially support any employees in the clinically ‘extremely vulnerable’ group, there is financial support and advice listed later in this Bulletin.

Financial support and wellbeing

Anxiety about personal finances can understandably have an impact on someone’s ability to work. Employers can play a crucial role in supporting social care staff by taking proactive steps to promote emotional and financial wellbeing. However, we also recognise that staff absences and the need to back-fill roles will create additional financial pressures for care providers. There are several initiatives in place to assist with such pressures:

Some social care staff will have been advised that they are included in the clinically ‘extremely vulnerable’ group and are shielding in line with public health guidance, or need to stay home with someone who is shielding. Some employers will decide to keep these workers on full pay, but employers can furlough these workers to ensure that they continue to receive 80% of their normal income through the Coronavirus Job Retention Scheme.
People who provide care and support may have to self-isolate if they have symptoms of COVID-19 or live with someone who does. The Government recognises that employers may struggle to deal with the increased costs of sick pay if many employees are unable to work due to Coronavirus. That is why SME employers (fewer than 250 employees as of 28 February 2020) will be able to claim back up to 2 weeks’ worth of statutory sick pay (SSP) paid to employees due to COVID-19 without the need to provide fit notes or isolation notes as evidence.
The action plan for adult social care highlights the funding available to Local Authorities to address the pressures on local services caused by the pandemic. This can be used to cover the cost of maintaining income as far as possible for social care staff that are currently unable to work as a result of following advice on shielding and self-isolation measures.

Advice for the social care workforce

It is entirely normal to feel worried and anxious about Coronavirus and how it might affect your life. This is an unsettling time – your normal routine has been disrupted and you may have been isolated from your social circles and support networks. It is really important to look after your mental health during this time. Here is some guidance to support your mental, physical and financial wellbeing:

Mental wellbeing – 6 key steps to supporting your mental health:
  1. Add structure to your day and try to get into the habit of a daily routine. You might find it helpful to write a plan for your day or your week. It is also important to keep doing things you enjoy as this can give you some relief from anxious thoughts and feelings and can boost your mood.
  2. Exercise – take a look at our section on physical wellbeing. Your physical health has a big impact on your mental wellbeing. Your body releases endorphins when you exercise, which provide stress relief and also boost your mood.
  3. Connect with people – maintaining relationships with people you trust is important for your mental wellbeing. Try and stay in touch with family and friends via telephone, video or social media, particularly if you are feeling anxious.
  4. Try not to continuously check the news. 24-hour news and constant social media updates can make you more worried. If this is having an impact on you, try to limit the time you spend engaging with the media coverage of the outbreak. It may help to only check the news at set times during the day.
  5. Maintain a regular sleep pattern – good-quality sleep can have a positive impact on how you feel both mentally and physically. Every Mind Matters gives advice on how to get a good night’s sleep.
  6. Seek help if you are struggling. You can send a message with FRONTLINE to 85258 to start a conversation with Shout’s messaging support service. If you want to speak with someone directly, there are a number of helplines that can offer expert advice.

The guidance for the public on mental wellbeing expands on these key steps and other ways you can support your mental health.

Building resilience and managing stress and anxiety
  • It is important to find new ways of coping with increased pressure and being able to recover from difficulties. Skills for Care has a guide on how to build personal resilience. The guide includes tasks for you to complete that help you to recognise pressure and stress. It provides advice on developing your resilience through emotional intelligence, accurate thinking and realistic optimism.
  • MindEd has been put together to provide care and health workers with specific advice for managing your mental health during COVID-19. There is advice on managing stress and how to help each other, as well as dealing with trauma and bereavement.
  •  The Every Mind Matters page on anxiety provides good advice on managing worries that you may be having.
Bereavement support
  • During this difficult time, you may be struggling with the loss of friends, family members or colleagues. Being isolated from friends and family can make feelings of grief much more intense.
  • Hospice UK have launched an Adult Social Care Bereavement and Trauma line. You can speak to a specialist counsellor at 0300 303 4434. They are available between 8am and 8pm to support you if you have experienced bereavement, have witnessed traumatic deaths as part of your work or need to discuss anyother anxiety or emotional issues you are experiencing as a result of the COVID-19 pandemic.
  • Cruse Bereavement Care offers advice and support on dealing with bereavement and grief during the coronavirus outbreak.
  • At a Loss provides signposting to other services across the UK that can provide resources and support to those that are bereaved.
Existing mental health needs

There is existing guidance for those that have specific mental health needs, such as OCD, anxiety, claustrophobia, or a learning disability that provides advice on managing these needs at this time.

Physical wellbeing
  • Try to keep active. If you are able to, go outside for a walk, run or bike ride once a day, as fresh air is extremely beneficial for your mental health.
  • If you are not able to exercise outdoors, there are several online workouts that you can follow at home. Public Health England provides free, easy 10-minute workouts and the NHS Fitness Studio also has a collection of accessible exercise videos.
  • Take time to relax – continue to do things you enjoy or try something new if you are restricted by having to stay at home. People who have successfully completed a period of staying at home have kept themselves busy with activities such as cooking, reading, online learning and watching films.
  • Take care of your basic needs, as set out by the World Health Organisation (WHO):

Ensure rest and respite during work or between shifts, eat sufficient and healthy food, engage in physical activity, and stay in contact with family and friends. Avoid using unhelpful coping strategies such as tobacco, alcohol or other drugs. In the long term, these can worsen your mental and physical wellbeing.

World Health Organisation
Financial wellbeing

Financial wellbeing is about a sense of security and feeling as though you have enough money to meet your needs. It’s about being in control of your day-to-day finances and having the financial freedom to make choices that allow you to enjoy life. During the COVID-19 outbreak, many of us will be feeling more anxious or stressed about our finances than usual. You may face financial challenges due to having to shield and not being able to work, because you are unwell or because others in your household are not earning.

It is vital that we look after those employed in the care sector and the Government says that it’s committed to ensuring that no care worker has to choose between doing the right thing and facing financial issues. The Government has announced changes to the benefits regime and additional funding for adult social care to support employees financially during the COVID-19 outbreak. More details about the help that is available to you is detailed later in this Bulletin.

If you are unwell or someone in your household is unwell

It is important that you feel able to self-isolate if you have symptoms of COVID-19 or live with someone who does. First check the terms and conditions of your pay with your employer. If they are unable to continue to pay you your full salary, you might be eligible for statutory sick pay (SSP). SSP will be available from day 1 and you must need to self-isolate for at least 4 days to be eligible. Those on zero-hour contracts will also receive SSP or will be able to claim Universal Credit, depending on their circumstances. Those who are not eligible for SSP can claim Universal Credit and/or the new-style Employment and Support Allowance (ESA) depending on your National Insurance record and personal savings.

If you are shielding due to being clinically ‘extremely vulnerable’

Some of you will be shielding in line with public health guidance. If you are shielding, you should talk to your employer about the pay options you have and the possibility of furloughing you as long as you are expected to shield yourself. Your employer can then claim up to 80% of your wages from the government through the Coronavirus Job Retention Scheme.

Other information about financial support
Additional resources
  • Mind provides advice on managing debt and the positive steps you can take to address this.
  • Citizen’s Advice offer some specific COVID-19 advice on what to do if you are struggling to pay your bills. This includes rent, council tax, mortgage, energy bills, court orders and tax bills. It is important that these bills are not ignored as this can make the situation worse. Please do read the advice and seek support to help you out.
  • You can contact the National Debtline for free, confidential and independent advice on dealing with debt problems.
If you are clinically ‘extremely vulnerable’

Government guidance for employers states that employees considered part of the group defined as clinically ‘extremely vulnerable’ are advised, and are supported, to stay at home. While this is important in protecting your health, it is important to be aware of the mental health risks of being isolated at home. For help with supporting your mental health, please reference the 6 steps laid out above. You can find out more on taking care of your mind and body while staying at home at Every Mind Matters. If you are part of this group, ask friends, family and neighbours to assist you with getting food, medicine and other necessary supplies. If this is not possible, you can register to get further support you may need.

If you have any concerns

It is important that your rights as a worker are protected, especially during these challenging times. Similarly, you have a professional duty to act if you are concerned that the safety of those that you care for is at risk. If you have any concerns about employment practices, it is important that you raise these.

First, any concerns should be raised with your senior management team. There will be guidance in your workplace about what to do.
You can contact your union or professional body, if you have one, for advice about what to do if you have concerns. They can play a helpful role in trying to resolve any problems you may be facing and improve workplace practice.
Finally, if you want to report a serious case of bad practice or have been unsuccessful in resolving any issues with your organisation, you can contact the Care Quality Commission (CQC) and local council safeguarding teams.

COVID-19 TESTS AND WHO CAN HAVE THEM

The Government is ‘scaling up’ the availability of Covid-19 tests for care workers and those for whom they care. You can get a throat and nose swab test, which will tell you if you currently Covid-19. Testing is most effective within 3 days of symptoms developing.

Who can be tested?

You can apply to get a test if you’re in one of the following groups:

  • all essential workers including NHS and social care workers with symptoms (see the full list of essential workers)
  • people over 65 with symptoms
  • people with symptoms going to work who cannot work from home (for example, construction workers, shop workers, emergency plumbers and delivery drivers
  • anyone who has symptoms of coronavirus and lives with any of those identified above

Additionally, testing is now available for:

  • social care workers and residents in care homes, with or without symptoms
  • NHS workers and patients without symptoms, in line with NHS England guidance

How to arrange a test

Self-referral

Apply for a coronavirus test .You can select a regional test site drive-through appointment or home test kit. If you want a little light bedtime reading you can dive in to the user guide explaining how to use the online selfreferral service (only 35 pages!).

Employer referral

The employer referral portal allows employers to refer essential workers who are self-isolating either because they or member(s) of their household have coronavirus symptoms, for testing. For most employees, only symptomatic people in the household can be tested. If the employee works in social care, however, the employee can be tested whether symptomatic or asymptomatic. It is a secure portal for employers to use to upload the full list of names and contact details of self-isolating essential workers. If referred through this portal, essential workers will receive a text
message with a unique invitation code to book a test for themselves (if symptomatic) or their symptomatic household member(s) at a regional testing site.

In order to obtain a login, employers of essential workers should email [email protected] with:

  • organisation name
  • nature of the organisation’s business
  • region
  • names (where possible) and email addresses of the 2 nominated users who will load essential worker contact details

Once employer details have been verified, 2 login credentials will be issued for the employer referral portal.

The testing process

The test involves taking a swab of the nose and the back of the throat, which can be done by the person themselves (self-administered) or by someone else (assisted). The different ways you can get tested are listed below.

Regional testing sites

There is now a larger, and growing, network of drive-through regional testing sites. You will receive a list of these when you’ve registered.

Home testing

Home test kits can be delivered to someone’s door so they can test themselves and their family without leaving the house. Home test kit availability was initially limited but is now more widespread. If you have had a home testing kit delivered or have been given a self-test kit at a regional test site you should carefully follow the accompanying instructions.

Mobile testing units

Mobile testing units travel around the UK to increase access to Coronavirus testing. They respond to need, travelling to test essential workers at sites including care homes, police stations and prisons. New units are being brought into operation each day and you should receive details of these when you register.

Satellite centres

NHS capability is being increased by providing test kits directly to ‘satellite’ centres at places like hospitals that have a particularly urgent or significant need.

NHS facilities

Testing within an NHS facility such as a hospital is available for patients and some NHS workers. We suggest you contact your nearest NHS facility locally.

Across all these testing methods, there is a network of couriers who collect the completed samples and deliver them safely to one of the designated laboratories. The swab samples are analysed at these labs and the result is communicated back to the individual, usually within 48 hours of a swab being taken or within 72 hours for a home test.

Care home residents and workers

If a care home suspects a resident has coronavirus symptoms

You should contact your local Health Protection Team (HPT) if:

  • you suspect your care home has a new coronavirus outbreak
  • it has been 28 days or longer since your last case and you have new cases

Your HPT will provide advice and arrange the first tests.

For testing in other situations, you should apply for testing kits following the instructions in the sections above.

How to test care home residents and workers

You can apply for coronavirus testing kits to test the residents and staff of your care home. You can apply whether or not any of your residents or staff has coronavirus symptoms. Apply for coronavirus tests for a care home

Workers with symptoms

Care home workers with symptoms should be self-isolating and can access testing through the self-referral or employer referral portals, above.

Information about testing kits

There are 2 types of test kits delivered to care homes:

  • Randox test kits
  • all other types, known as Kingfisher test kits

The test kits look similar and test for whether someone currently has Coronavirus in the same way. You will be told which test kits you will be using when you receive confirmation of your delivery. All of these kits are throat and nose swab tests and will tell a person whether they had Coronavirus at the time the test took place. They cannot tell a person if they have had Coronavirus in the past.

Carers and nurses who will be swabbing residents in care homes should complete the online care home swabbing competency assessment before carrying out swabbing. Individuals can register at www.genqa.org/carehomes or care home managers can create an organisational account by contacting [email protected].

Documents for care homes using the online application portal

List of essential workers and those prioritised for testing

  • All NHS and social care staff, including:
    • doctors, nurses, midwives, paramedics, social workers, care workers, and other frontline health and social care staff, including volunteers and unpaid carers
    • the support and specialist staff required to maintain the UK’s health and social care sector
    • those working as part of the health and social care supply chain, including producers and distributors of medicines, and medical and personal protective equipment
    • NHS Blood and Transplant frontline staff (blood donation staff, specialist nurses for organ donation, staff running therapeutic apheresis services in NHS hospitals)
    • those providing ancillary support to NHS workers (such as hotel accommodation for NHS staff)
    • personal care assistants
  • Essential public services staff, including:
    • prisons, probation, courts and tribunals staff, judiciary
    • religious staff
    • charities and workers delivering critical frontline services
    • those responsible for the management of the deceased
    • journalists and broadcasters covering coronavirus or providing public service broadcasting
    • public health and environmental staff, such as specialist community public health nursing
  • Public safety and national security staff, including:
    • police and support staff
    • Ministry of Defence civilians, contractors and armed forces personnel (those critical to the delivery of critical defence and national security outputs and critical to the response to the coronavirus pandemic), including defence medical staff
    • fire and rescue service employees (including support staff),
    • National Crime Agency staff, those maintaining border security, prison and probation staff and other national security roles, including those overseas
    • British Transport Police and the Maritime and Coastguard Agency
  • Transport workers, including:
    • those who keep the air, water, road and rail passenger and freight transport modes operating during the coronavirus response
    • those working on transport systems through which supply chains pass
  • Education and childcare workers, including:
    • support and teaching staff
    • social workers
    • specialist education professionals
  • Critical personnel in the production and distribution of food, drink and essential goods, including:
    • those involved in food production, processing, distribution, sale and delivery
    • those critical to the provision of other essential goods, such as medical supply chain and distribution workers, including community pharmacy and testing (such as PHE labs), and veterinary medicine
    • workers critical to the continuity of essential movement of goods
  • Local and national government staff critical to the effective delivery of the coronavirus response, or delivering essential public services, such as the payment of benefits
  • Public and environmental health staff, including in government agencies and arm’s length bodies
  • Funeral industry workers
  • Frontline local authority staff and volunteers, including
    • those working with vulnerable children and adults, victims of domestic abuse, and the homeless and rough sleepers (and hotel staff supporting these groups)
    • voluntary sector organisations providing substance misuse treatment
  • Utilities, communication and financial services staff, including:
    • staff needed for essential financial services provision (including but not limited to workers in banks, building societies and financial market infrastructure)
    • the oil, gas, electricity and water sectors (including sewerage)
    • information technology and data infrastructure sector and primary industry supplies to continue during the coronavirus response
    • essential staff working in the civil nuclear, chemicals, telecommunications (including but not limited to network operations, field engineering, call centre staff, IT and data infrastructure, 999 and 111 essential services), postal services and delivery, payments providers and waste disposal sectors

GOVERNMENT REQUEST FOR HELP TO INCREASE TESTING CAPACITY

The Government wants help from businesses to increase testing capacity. Their current target of 100,000 tests per day will double to 200,000 tests per day from 1st June – and they need some specific assistance as detailed below:

What’s needed:

In the short term, they want to hear specifically from companies who can manufacture and supply:

  • Consumables and equipment for Coronavirus testing, in particular test kits (such as nose and throat swabs, transport media and vials) and RNA extraction lab consumables (such as reagents, plates and pipette tips)
  • New or existing types of Coronavirus tests for antigens or antibodies. These must meet the requirement set out by the Medicines and Healthcare products Regulatory Agency (MHRA). MHRA has published the specification for the required antibody test (see ‘How to Help’ section below)

They also want to hear from:

  • Public or private sector organisations that can offer laboratory capacity. They have published further guidance about the criteria laboratories need to meet to partner with a local NHS trust
  • Groups of organisations that can deliver a high throughput, end-to-end process that integrates home-based blood sampling with lab processing, using an ELISA or equivalent antibody test at a specificity >98% and sensitivity >95%. The solution should be able to deliver at least 10,000 tests a day in the first instance, with the potential to rapidly scale by mid-July. The group should nominate a lead organisation to act as a single point of contact with the Government and proposals should be submitted immediately. See the serology end-to-end technical specification (PDF, 48.8KB, 2 pages) and serology end-to-end guidance (PDF, 222KB, 5 pages)

The Government have teams of experts evaluating all the offers received. To ensure that their time is used most effectively, please use the forms below, which ensure your offers meet their requirements and can be directed to the right expert group. You will be contacted as quickly as possible if your support is needed.

How to help

Help supply materials and equipment
Help supply complete testing methods
Help provide laboratory capacity
Help provide new testing methods in 4 key areas

You can also help provide other forms of support, including personal protective equipment (PPE) for testing laboratories.

Contact

Email: [email protected]
Phone: 0800 915 9965

COVID-19 INSURANCE CLAIMS – NEW GUIDANCE FROM THE FINANCIAL CONDUCT AUTHORITY (FCA)

The FCA has now confirmed a series of temporary measures to help customers who hold insurance and premium finance products and who may be in financial difficulty because of Coronavirus. The new measures, listed below, will come into force on Monday 18th May. They will be reviewed in the next 3 months in the light of developments regarding Coronavirus and may be revised if appropriate.

Actions that insurance firms can take

Following a short consultation, the targeted measures being implemented require insurance firms to consider what options they can provide to customers including:

  • Reassessing the risk profile of customers. This may have changed because of Coronavirus and there may be scope to offer customers materially lower premiums.
  • Considering whether there are other products they can offer which would better meet the customer’s needs and revise the cover accordingly. For example, a motor insurance customer might no longer need associated add-on cover such as key cover or could be moved from fully comprehensive cover to third party fire and theft.
  • Waiving cancellation and other fees associated with adjusting customers’ policies.

These actions could result in a reduction in the monthly premium for customers paying by instalments or a partial refund of the premium for customers who have paid up front. Where amendments to the insurance cover do not help alleviate the temporary payment difficulties for customers paying their premium in instalments, then the FCA expects firms to grant customers a payment deferral unless it is obviously not in the customer’s interests to do so.

The payment deferral should be granted for a period of between 1 and 3 months, though firms can go beyond 3 months should they wish to do so, and it is in the customer’s interests. Customers should be able to request a payment deferral at any point during the period up to 18th August 2020 while the window for requesting a payment deferral is open.

Where a payment deferral is not considered appropriate, insurance firms should promptly offer other ways to provide temporary relief to the customer. These could potentially include (but not be limited to):

  • Accepting reduced repayments, or rescheduling the term
  • Waiving missed or late payment fees
  • Permitting a customer to amend their repayment date without any cost

The FCA also expects insurance firms to consider reviewing any interest rates associated with instalments to determine whether they are consistent with the obligation to treat customers fairly in the light of the exceptional circumstances arising out of Coronavirus. Insurance firms should make clear in their communications, including on their websites and apps, the different solutions available to customers, and encourage them to make contact if they are experiencing temporary financial difficulties.

We very strongly recommend that customers who are struggling to afford their insurance or premium finance payments because of the impact of Coronavirus should contact their insurer or insurance broker to discuss options. It is important people don’t leave themselves uninsured and should not hesitate to contact their insurer – if necessary quoting these new FCA instructions.

COVID-19 SUPPORT FROM BUSINESS ORGANISATIONS AND TRADE ASSOCIATIONS

Although we have sought in our Bulletins to advise you of the range of Government schemes and interventions to help businesses cope with the unprecedented Coronavirus challenges, we thought that it would be helpful to list some of the additional support provided by Business Representative Organisations and Trade Associations relating to specific sectors. The Government is working closely with these bodies to support the national response to Coronavirus and we list the 33 sectors below, each with a direct link:

Aerospace and Defence, and Aviation
Agriculture
Architecture
Arts, Libraries and Museums
Automotive
Chemical, Health Technology and Pharmaceutical
Construction
Creative
Energy
Engineering and Manufacturing
Entertainment
Events
Export
Fashion
Finance
Food supply
Hair and beauty
Health
Hospitality
Housing
Infrastructure
Labour and recruitment
Legal
Life science
Maritime
Professional and Business Services Sector
Retail
Small businesses
Space
Sport
Technology
Tourism
Transport

We will issue further advice and guidance Bulletins as the Covid-19 situation develops.

Sir Henry Boyle
1130 hrs 15th May 2020

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