• A woman wearing a protective face mask looks at outdoor light shows during the Beijing International Light Festival at the Yuyuantan Park in the Chinese capital. EPA
    A woman wearing a protective face mask looks at outdoor light shows during the Beijing International Light Festival at the Yuyuantan Park in the Chinese capital. EPA
  • Japan's Prime Minister Shinzo Abe wears a face mask as he arrives at his official residence in Tokyo on August 28, 2020. Reuters
    Japan's Prime Minister Shinzo Abe wears a face mask as he arrives at his official residence in Tokyo on August 28, 2020. Reuters
  • Filipinos queue Quezon City, Metro Manila for a government cash subsidy to offset the impact of the economic impact of the coronavirus pandemic. Reuters
    Filipinos queue Quezon City, Metro Manila for a government cash subsidy to offset the impact of the economic impact of the coronavirus pandemic. Reuters
  • Medical staff, police and military officials in Budapest, Hungary take part in training exercise simulating the arrival of a tourist bus with coronavirus-infected passengers. AFP
    Medical staff, police and military officials in Budapest, Hungary take part in training exercise simulating the arrival of a tourist bus with coronavirus-infected passengers. AFP
  • A public awareness notice in Tokyo reminds people to practise social distancing. AP Photo
    A public awareness notice in Tokyo reminds people to practise social distancing. AP Photo
  • A man wearing a face mask to help curb the spread of the coronavirus walks through a building in Tokyo. AP Photo
    A man wearing a face mask to help curb the spread of the coronavirus walks through a building in Tokyo. AP Photo
  • A medical worker wearing protective equipment waits at at a drive-through Covid-19 testing centre in Zagreb, Croatia. AFP
    A medical worker wearing protective equipment waits at at a drive-through Covid-19 testing centre in Zagreb, Croatia. AFP
  • A woman wearing a protective mask crosses the road at Shibuya Crossing in Tokyo, Japan. Getty Images
    A woman wearing a protective mask crosses the road at Shibuya Crossing in Tokyo, Japan. Getty Images
  • Police officers wear face shields and gloves as they stand guard at Gwanghwamun Plaza in Seoul, South Korea. EPA
    Police officers wear face shields and gloves as they stand guard at Gwanghwamun Plaza in Seoul, South Korea. EPA

Second wave in the UK could see more than 85,000 Covid-19 deaths over winter


Thomas Harding
  • English
  • Arabic

Britain could experience more than 85,000 Covid-19-related deaths during a second wave over winter in a “reasonable worst-case scenario”, the government has predicted.

The potential for a high death count from Covid-19 was put forward by the government’s Scientific Advisory Group for Emergencies, or Sage, in a report late last month.

The leaked document, seen by BBC's Newsnight, put forward a "scenario, not a prediction" in which schools reopened but other lockdown restrictions are reimposed from November for several months.

The modelling suggested that in the seven months to March there would be Covid-19 81,000 deaths in England and Wales, 2,600 in Scotland and 1,900 in Northern Ireland.

The UK holds the record of the worst excess death rate in Europe, so the report is bound to have caused alarm in Whitehall.

It was compiled by scientists to give hospitals and local authorities the chance to prepare for a significant rise in cases and deaths over winter.

There are growing worries that Britain will be hit by the second coronavirus wave that has gripped parts of Europe, with France and Spain experiencing surges.

In the past week infections in Britain have risen by an average of 200 extra a day with more than 1,700 new cases recorded on Sunday, the highest total since June 4.

The rate is expected to rise further with people returning from summer holidays and children going back to school full-time in the coming week.

Despite infections rising, deaths in the UK have continued to decline in recent weeks, the latest ONS data shows.

The Sage report admitted that there was a significant degree of uncertainty in predicting the effect of the virus over winter.

The figure of 85,000 is also lower than a previous report that suggested 120,000 coronavirus deaths in the cold months.

The latest report predicts that up to 9 per cent of infected people will require hospital treatment and that one in five admitted patients will need intensive-care treatment.

The study was based on the expectation that efforts to trace and isolate sufferers and people they had been in contact with would be only 40 per cent effective.

A Cabinet Office spokesman defended the report.

“As a responsible government we have been planning and continue to prepare for a wide range of scenarios, including the reasonable worst-case scenario,” he said.

“Our planning is not a prediction of what will happen. It reflects a responsible government ensuring we are ready for all eventualities.”

Student bodies warn that universities could become centres for spreading infection, with people travelling back to studies in coming weeks.

“Universities could become the care homes of any second wave of Covid,” said Jo Grady, general secretary of the University and College Union.

“The very people who are increasingly getting infected are being encouraged to move around the country and congregate and live together. It doesn’t make sense.”

Government figures have warned that extensive local lockdowns could be used alongside nationwide restrictions if Britain were hit by a second wave.

They have suggested that a vaccine is unlikely to be available until next spring at the earliest.

The UK has the fifth-highest global death toll from Covid-19, with 41,501 fatalities and more than 335,000 infections.

Gothia Cup 2025

4,872 matches 

1,942 teams

116 pitches

76 nations

26 UAE teams

15 Lebanese teams

2 Kuwaiti teams

Key changes

Commission caps

For life insurance products with a savings component, Peter Hodgins of Clyde & Co said different caps apply to the saving and protection elements:

• For the saving component, a cap of 4.5 per cent of the annualised premium per year (which may not exceed 90 per cent of the annualised premium over the policy term). 

• On the protection component, there is a cap  of 10 per cent of the annualised premium per year (which may not exceed 160 per cent of the annualised premium over the policy term).

• Indemnity commission, the amount of commission that can be advanced to a product salesperson, can be 50 per cent of the annualised premium for the first year or 50 per cent of the total commissions on the policy calculated. 

• The remaining commission after deduction of the indemnity commission is paid equally over the premium payment term.

• For pure protection products, which only offer a life insurance component, the maximum commission will be 10 per cent of the annualised premium multiplied by the length of the policy in years.

Disclosure

Customers must now be provided with a full illustration of the product they are buying to ensure they understand the potential returns on savings products as well as the effects of any charges. There is also a “free-look” period of 30 days, where insurers must provide a full refund if the buyer wishes to cancel the policy.

“The illustration should provide for at least two scenarios to illustrate the performance of the product,” said Mr Hodgins. “All illustrations are required to be signed by the customer.”

Another illustration must outline surrender charges to ensure they understand the costs of exiting a fixed-term product early.

Illustrations must also be kept updatedand insurers must provide information on the top five investment funds available annually, including at least five years' performance data.

“This may be segregated based on the risk appetite of the customer (in which case, the top five funds for each segment must be provided),” said Mr Hodgins.

Product providers must also disclose the ratio of protection benefit to savings benefits. If a protection benefit ratio is less than 10 per cent "the product must carry a warning stating that it has limited or no protection benefit" Mr Hodgins added.

Six large-scale objects on show
  • Concrete wall and windows from the now demolished Robin Hood Gardens housing estate in Poplar
  • The 17th Century Agra Colonnade, from the bathhouse of the fort of Agra in India
  • A stagecloth for The Ballet Russes that is 10m high – the largest Picasso in the world
  • Frank Lloyd Wright’s 1930s Kaufmann Office
  • A full-scale Frankfurt Kitchen designed by Margarete Schütte-Lihotzky, which transformed kitchen design in the 20th century
  • Torrijos Palace dome
Profile of Tarabut Gateway

Founder: Abdulla Almoayed

Based: UAE

Founded: 2017

Number of employees: 35

Sector: FinTech

Raised: $13 million

Backers: Berlin-based venture capital company Target Global, Kingsway, CE Ventures, Entrée Capital, Zamil Investment Group, Global Ventures, Almoayed Technologies and Mad’a Investment.

PROFILE OF SWVL

Started: April 2017

Founders: Mostafa Kandil, Ahmed Sabbah and Mahmoud Nouh

Based: Cairo, Egypt

Sector: transport

Size: 450 employees

Investment: approximately $80 million

Investors include: Dubai’s Beco Capital, US’s Endeavor Catalyst, China’s MSA, Egypt’s Sawari Ventures, Sweden’s Vostok New Ventures, Property Finder CEO Michael Lahyani

Squads

Sri Lanka Tharanga (c), Mathews, Dickwella (wk), Gunathilaka, Mendis, Kapugedera, Siriwardana, Pushpakumara, Dananjaya, Sandakan, Perera, Hasaranga, Malinga, Chameera, Fernando.

India Kohli (c), Dhawan, Rohit, Rahul, Pandey, Rahane, Jadhav, Dhoni (wk), Pandya, Axar, Kuldeep, Chahal, Bumrah, Bhuvneshwar, Thakur.

How to apply for a drone permit
  • Individuals must register on UAE Drone app or website using their UAE Pass
  • Add all their personal details, including name, nationality, passport number, Emiratis ID, email and phone number
  • Upload the training certificate from a centre accredited by the GCAA
  • Submit their request
What are the regulations?
  • Fly it within visual line of sight
  • Never over populated areas
  • Ensure maximum flying height of 400 feet (122 metres) above ground level is not crossed
  • Users must avoid flying over restricted areas listed on the UAE Drone app
  • Only fly the drone during the day, and never at night
  • Should have a live feed of the drone flight
  • Drones must weigh 5 kg or less
How the bonus system works

The two riders are among several riders in the UAE to receive the top payment of £10,000 under the Thank You Fund of £16 million (Dh80m), which was announced in conjunction with Deliveroo's £8 billion (Dh40bn) stock market listing earlier this year.

The £10,000 (Dh50,000) payment is made to those riders who have completed the highest number of orders in each market.

There are also riders who will receive payments of £1,000 (Dh5,000) and £500 (Dh2,500).

All riders who have worked with Deliveroo for at least one year and completed 2,000 orders will receive £200 (Dh1,000), the company said when it announced the scheme.

David Haye record

Total fights: 32
Wins: 28
Wins by KO: 26
Losses: 4

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Crazy Rich Asians

Director: Jon M Chu

Starring: Constance Wu, Henry Golding, Michelle Yeon, Gemma Chan

Four stars

The Specs:

The Specs:

Engine: 2.9-litre, V6 twin-turbo

Transmission: 8-speed automatic

Power: 444bhp

Torque: 600Nm

Price: AED 356,580 incl VAT

On sale: now.