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Insuring against Britain’s bad weather

3 February 2011

Last December thousands of schools were forced to close due to bad weather. In such circumstances parents are entitled to take leave to sort out emergency childcare, but this is usually of a short duration and often unpaid.

In light of this, Towergate Insurance has launched the first “school closures insurance policy”. For an annual £30 per child, parents will receive £100 a day up to a maximum of 5 days once their child’s school has been closed because of snow, flooding or boiler failure. This money is intended to ease anxious parents’ minds by covering their lost earnings and unexpected extra childcare costs if a school is forced to close.

If rumours of the high level of interest are true, other insurance companies are likely to follow suit with their own terms and rates. But with the severe weather reportedly costing the economy up to £230 million a day, could this new insurance trend encourage parents to skip work more readily, causing a headache for employers?

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