Home workers won’t need to tell insurers of changes until the end of the year, industry confirms

Insurers have extended Covid-19 support for millions of home and motor policyholders to the end of the year.

The Association of British Insurers (ABI) announced today that the measures, previously due to expire at the end of the month, will now be in place until at least December 31.

They mean that people working from home or using their car differently because of the pandemic do not need to inform their insurers as they normally would.

The ABI said that the cover of people who have signed up to volunteer for the NHS and are using their vehicle to deliver medicine or groceries to the vulnerable will not be affected.

The measures also require companies to provide additional support where necessary to customers who make a claim.

Laura Hughes, a manager at the ABI, said: “The extension of these temporary pledges underlines the commitment of insurers to helping customers through

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Millions of Brits regret ‘it won’t happen to me’ attitude after being caught out

Millions of adults admit they have an ‘it won’t happen to me’ attitude in life with regards to insurance – and have been caught out as a result.

A study of 2,000 Brits found 16 per cent didn’t insure a phone as they believed it would not break – only to regret it – while 13 per cent did the same with kitchen appliances.

A further 13 per cent admitted they didn’t bother to install online security believing they wouldn’t fall victim to a scam, only to find themselves clicking on something they shouldn’t.

And more than one in 10 have also tried to save money by going without breakdown cover on their car, but ended up needing assistance at the roadside.

One in 10 have also tried to save money by going without breakdown cover on their car

But this attitude

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Cunningham won’t directly address possible other affairs

RALEIGH, N.C. (AP) — Democratic U.S. Senate candidate Cal Cunningham refused on Friday to address whether other sexual affairs could surface days after The Associated Press reported his intimate encounter this summer with a public relations consultant.

Cunningham is in a closely contested, expensive race with Republican Sen. Thom Tillis that could determine control of the Senate. During a virtual news conference, he wouldn’t respond directly to multiple questions from reporters about the existence of other affairs or extramarital allegations.

The U.S. Army Reserve officer and Raleigh attorney on Oct. 2 acknowledged the existence of sexually suggestive text messages between him and a woman, both of whom are married, and apologized for hurting his family and supporters. Additional texts obtained by The Associated Press and interviews show the relationship extended to an intimate encounter as recent as July.

“I’ve taken responsibility for the hurt that I’ve caused in my personal

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Emily Atack details vile sexual harassment messages – and why she won’t go to police

Emily Atack has opened up about being sexually harassed by strangers online.

The new Celebrity Juice captain revealed how she is regularly bombarded with lewd messages, pictures and even explicit videos from people on Instagram.

Emily, 30, said that often shares the posts with her girlfriends to laugh at but with the content she’s sent becoming increasingly dark and disturbing, she has been left wondering if she should contact the police.

She explains in Grazia : “My Instagram DM section has now become a realm of sexually abusive comments, pictures, videos (yes- videos!) that I have absolutely no control over. I’ve tried blocking people, they create new accounts, and blocking one person doesn’t stop 27 new reprobates from joining the d*** pic queue.

“I hate to admit it, but the awful thing about it is that it has started to make me question myself and the way I speak, act

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‘Fashion sales won’t return to normal until Christmas 2023’ say retail analysts

Equally, brands that have been able to diversify into homeware and nightwear will do better over the months to come than those that make formal clothes.

“Clearly the more your business relies on bricks and mortar stores the worse the effect of a lockdown will be,” says Olivia von Halle, founder of the designer pyjama brand of the same name. “Different sectors within the industry will be affected differently – I expect ready-to-wear and accessories will suffer hugely whereas for loungewear, we expect to see a positive effect on sales.”

Justin Thornton, the co-founder of Preen agrees. “The immediate impact has been tough on fashion as the desire to shop has been somewhat replaced by home and the feeling of nesting,” he says. “Our Preen Home has been very successful during this period. We are now noticing this is slowly changing and there is a demand for more special fashion

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Americans Want At-Home Delivery, Won’t Settle for Delays: Survey

A worker carries Amazon.com Inc. boxes during a delivery in the Bronx borough of New York.

Photographer: Angus Mordant/Bloomberg

Retail stores are ramping up all sorts of contactless options to make Americans comfortable spending this holiday season. But consumers who’ve gotten used to cheap at-home delivery aren’t willing to give it up.

More than three-fourths of consumers said they want their purchases to come right to their doorsteps, according to the Accenture Holiday Shopping Survey released Thursday. Just 11% of shoppers would choose the second-most popular choice, picking up at a local store, with even fewer interested in curbside collection or lockers.

“There’s the convenience factor,” Jill Standish, a senior managing director of Accenture and head of the global retail practice, said in an interview. “If consumers had a choice, they think the best is ‘ship it to me at home.’”

Porch Preference

More than three in

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Kayla Reefer Won’t Be Defined By Just One Artistic Genre

This profile is part of our series “Quiénes Somos,” which focuses on nine amazing and original creators in the Latinx community. You can read more by visiting our Latinx Heritage Month homepage.

Kayla Reefer has many talents. The 28-year-old entrepreneur has already begun to make a name for herself as a cinematographer and photographer, but she won’t be limited. Reefer is also an artist who designs and produces two clothing lines and runs an agency with the goal of supporting and representing Black artists across multiple disciplines. For Latinx Heritage Month, we talked about family, heritage, and the origins of her creativity.

Hi Kayla! Tell me a little bit about yourself.

My name is Kayla Reefer, I am 28, currently based in the Greater Los Angeles Area. I am Black & Latina, of Afro-Panamanian descent. I am a multi-disciplinary artist and entrepreneur although I am primarily known as a photographer,

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Why breaking your mortgage early for lower rates won’t save you money

A growing number of homeowners are asking about breaking mortgage early for lower rates (Getty Images)
A growing number of homeowners are asking about breaking mortgage early for lower rates (Getty Images)

Record low mortgage rates might make breaking your term early seem enticing, but the penalty costs will wipe out the potential savings.

Variable mortgage rates have fallen over the course of the COVID-19 pandemic, following a string of interest rate cuts by the Bank of Canada. Fixed rates are also lower because of market forces pushing bond yields lower. 

According to Ratehub, mortgage shoppers will find better deals on 5-year variable mortgages at around 1.6 per cent, compared to around 1.64 per cent for fixed. 

Unless you are able to renew your mortgage at more favourable rates, current homeowners are locked out of the potential savings. That leaves breaking your mortgage early.

Online mortgage agency Nesto says there’s been an increased interest in breaking early in 2020, especially in August.

“Before the pandemic, most

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How to give yourself a stimulus payment (if Congress won’t)

How to give yourself a stimulus payment (if Congress won't)
How to give yourself a stimulus payment (if Congress won’t)

Congress still can’t get its act together on giving Americans more of those $1,200 coronavirus “stimulus checks,” similar to the direct payments made in the spring.

Another round of cash to relieve financial pain and stimulate the economy was missing from a COVID-19 relief bill that died in the Senate this month. Since then, a bipartisan group of lawmakers has proposed a $1.5 trillion package that includes new stimulus payments, but it’s not clear if the plan will go anywhere.

If you could use another $1,200 right now, don’t wait for Washington to sort things out. You can find your own sources of cash, to give yourself a stimulus check. Check out these nine ways to do that.

1. Cut your car insurance costs

<cite>mimagephotography / Shutterstock</cite>
mimagephotography / Shutterstock

If you’re like most people, your car insurance is due every six months.

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why 2020 upheaval won’t kill globalisation

  <span class="attribution"><a class="link rapid-noclick-resp" href="https://www.shutterstock.com/image-photo/international-currency-money-include-us-american-1724551849" rel="nofollow noopener" target="_blank" data-ylk="slk:Blue Planet Studios">Blue Planet Studios</a></span>
Blue Planet Studios

The sudden stop of the global economy in 2020 has brought to everyone’s attention the interconnectedness of supply chains across countries and continents. Add to this the mounting tensions between the US and China, with President Trump now pushing for a decoupling from the Chinese economy as a key part of his re-election campaign.

Many question whether the events of 2020 will leave us with a less globalised world. Some even wonder whether COVID-19 has killed globalisation.

But globalisation has not run its course. People were questioning its future long before 2020, citing pressure from protectionism and nationalism. In response, Frans Appel, CEO of Deutsche Post, made a compelling case in December 2019, backed by extensive data analysis, that globalisation was holding up remarkably well.

Since then, the pandemic has severely reduced cross-border flows like global trade. But wherever infection rates have come under control and lockdowns

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