About flood in motor and face masks
Yesterday, not for the first time, I suggested that the insurance industry should consider imposing an exclusion on motor vehicle policies where the car has been driven into flood water.
This was driven (pun intended) by the report that over two hundred drivers and their vehicles had to be rescued, putting enormous strain on emergency services. As well as a survey that showed that three out of four drivers would drive along a road they know to be flooded.
The other frustration is the number of people who scream through the water not realising or caring that the wake from their vehicle can cause damage to surrounding homes and businesses, who may well not have flood cover.
As one subscriber wrote to me: “You cannot teach idiots.”
In every other occasion, I had also explained some of the complications that surround this, and one of my mentors rang to recommend that I reiterate them.
The first one is the difference between knowingly taking the risk of driving into flood waters, and driving along a road you are not familiar with at night and simply not seeing the water. It would be unfair to stop providing insurance protection for genuine accidents.
The other difficulty is where someone takes their car possessions and family, and knowingly drive into flood waters in an attempt to escape from imminent danger.
We then have the issue of people who have genuinely parked their cars in a car park, or along the side of a road, not being aware the area floods.
It certainly is a challenging matter, that needs to be addressed on a case by case basis.
I think it remains a major concern, and the insurance industry needs to collaborate with the police to find a workable solution. Which would involve education, heavy fines, loss of licence or tightening up of the reasonable care provision in motor policies.
As for those that drive through water at speed, and cause damage to property or drench pedestrians, should likewise be subject to serious fines.
Moving on to the second topic, that is face masks. Like alcohol based hand wash, there has been a real rush on them. So, that many stores are out of stock.
The problem with the masks is that many industries need them for day to day use, and their businesses are being affected due to the lack of this product.
I was speaking to staff at a large Bunnings, and they had sent a lot down to the bush fire areas to assist residents and firefighters deal with the heavy smoke. And now, with the run due to Coronavirus (COVID-19), they have only limited stock of some.
The important point here is that a lot of the basic masks do not, according to the medical information I am reading, offer any real protection. Therefore, we should not be overreacting and buying up stuff that we will never use, taking away protection from others that genuinely need it for their day to day work.