Martin Lewis releases 14 corona viruses according to the latest money and travel warning

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Martin Lewis released a list of key coronavirus tips for consumers after the UK government announced new measures yesterday.

Prime Minister Boris Johnson and Chancellor Rishi Sunak revealed further plans to combat Covid-19, including temporary travel bans and a £ 350 billion bailout to save the economy.

In his weekly newsletter, the co-founder of MoneySavingExpert.com published a list of 14 important “need-to-know”.

Martin Lewis provides help with housing costs, sick pay, travel insurance and what happens when schools close

Martin wrote: “It has been a tough, anxious and exciting week for our nation. While health is the primary concern, our financial wellbeing is important.

“Unfortunately, the question is not whether the effects of the gradual shutdown across the UK will have a devastating impact on businesses and personal finances – that goes without saying. The real unknown is how long it will take.

“Everyone has to prepare.”

The key points of the expert who saves money include help with housing costs, sick pay, travel insurance and what happens when schools close.

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Coronavirus in Scotland

Here are the 14 corona viruses that you absolutely must know.

1. Three month mortgage vacation and credit card indulgence are available to those who are having trouble

If you have trouble keeping up with your bills and keeping food on the table, talk to your bank. Most have said that they will offer leniency (tolerance and help), and the Chancellor announced that he had received a leniency obligation from everyone.

2. Are you having trouble paying your rent? Talk to your landlord urgently

The Chancellor has unfortunately not yet announced any direct help for tenants, although he has indicated that more may be added in the next few days.

This is a more difficult area because it is often a two-person relationship and the landlords may be as dependent on income as you are. Explain your situation and ask if you have more time to pay your rent.

Most landlords are currently struggling to find new tenants. Therefore, there is a common interest in keeping tenants in real estate. Trying to reach a reasonable mutual agreement helps both.

3. The employees are legally on sick leave from day one

If you are employed and forced to isolate yourself, be it sick or preventive, you must pay statutory sickness benefits from day one. You have to earn at least £ 118 / week on average to be eligible, and it pays £ 94 a week – although some employers give more.

All trips outside the UK have been restricted for 30 days

4. The Federal Foreign Office now advises against all but essential travel outside the UK

This has just happened – it initially takes 30 days, but can be extended. If you have booked a trip with most travel insurers during this time (unfortunately not with all of them), you will normally be refunded, even if flights / hotels are still offered

5.If your child’s school closes, you have the right to take time off to take care of them – but it can be unpaid

When schools close or your childminder / kindergarten closes, you can legally take reasonable time to look after your children.

But you don’t get sick pay and you are not legally entitled to be paid for that time – although there are hopes that this may change in the announcements the Chancellor will make in the next few days.

6. Self-employed or freelance? You may be able to apply for unemployment benefits

Persons who are unemployed and are not entitled to sickness benefits may be entitled to benefits from the first day of their absence. The most important is the employment allowance, which pays GBP 73 per week.

7. Anyone who has or is likely to have problems should now check whether you are entitled to benefits

In addition to the specific help for coronavirus, it is important to check for other help that you may be eligible for.

Glastonbury will not continue this year

8. Concert, theater or sporting event canceled? You should normally get a refund

If you bought tickets from an official seller, you should be eligible for a refund, but not necessarily booking or delivery fees.

Martin added that you may want to consider how hard you push depending on who the company is as many event companies will have problems.

9. At most banks, you can access fixed savings without penalty

If you have blocked cash in a fixed interest savings account, you usually have to pay a penalty to get it out before the fixed term expires. However, at least eight banks have announced that they will waive penalties for those affected by the pandemic.

It is worth noting, however, that if interest rates fall, your money may be locked away at an interest rate that is no longer available. So you should only do this when it is really needed.

10. Replenishing prepaid energy can be difficult if it isolates itself, but some companies will help

Those with a smart meter can charge remotely, others may have a trusted person bring your key and card to the store (they may need to be disinfected first).

Some companies also say they can help – with Bulb and EDF, you can publish pre-loaded top-up cards or keys with emergency credit.

11. Sky and BT Sport do not currently offer a refund for sports services

Unfortunately, when you paid, they said there is no refund, although live sports are now actually being canceled, although Sky has just said that you can “pause” your subscription.

12. If you are (or could be) released, know your rights and create a survival plan

The layoffs are likely to increase and it will likely be difficult for many to find alternative employment while the decommissioning conditions are still in place. However, you have rights, make sure you know them – read the section on redundancy and survival plans on MoneySavingExpert.com here.

13. Do you have a season ticket? You can get a partial refund for a small administration fee

You can’t pause a train season ticket, but many companies let you cancel and get a refund for the rest of the time (based on the cheapest way you could have bought tickets for your trip, plus usually a £ 10 administration fee) .

Check whether a later cancellation and rebooking is cheaper.

14. You can no longer take out new travel insurance to cover the corona virus – and the annual guidelines may not cover new bookings

If you’ve booked a vacation but don’t have insurance, it’s too late.

We have no policies that cover corona virus-related cancellations and claims, and even if you have an annual policy, most now exclude corona virus cover for newly booked trips. When you’ve booked a vacation and are concerned, some airlines have customers rebook travel, while hotels and car rental companies also offer flexibility.

More information on these tips can be found here on the MoneySavingExpert website.

Whether you are already a budgeting professional or just looking for tips on how to save money, join our Facebook group Money Saving Scotland here.

Discover the best bargains and offers, the latest news on benefits, grants and grants, and learn from other members how you can best save money.

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