Dear MPs and Councillors,

Re: Telecoms masts. As democratically elected public representatives with a duty to look out for the wellbeing of Wirral residents, I believe it will be incumbent upon you to follow the first link below, and learn about how Lloyds of London and other large insurance houses will not provide insurance cover for the debilitating effects of non-ionising radiation.  Such harm to human health exists, despite the dishonest nonsense put about by the German body known as ICNIRP.

The question is: WHY WOULD LLOYDS OF LONDON DO THAT?

Further, at the second link, and likely to be related, learn how Wirral Council does not seem to have secured insurance cover for the debilitating effects of non-ionising, electromagnetic radiation, planting a “time-bomb” under the council.

1. https://www.jrseco.com/lloyds-insurance-company-does-not-cover-health-damage-caused-by-electromagnetic-radiation/

2. https://wirralinittogether.blog/2024/08/24/wirral-metropolitan-borough-council-is-not-covered-for-any-harm-injuries-or-deaths-arising-from-electromagnetic-radiation-emitted-by-3g-4g-and-5g-masts-that-are-being-erected-all-over-wirral/

Please restore some sanity, and begin to discharge your duties as advocates towards / protectors of the local populace’s wellbeing,

Best regards,

Paul Cardin

EXCERPT:

The Lloyd’s of London and its underwriter CFC Underwriting Limited exclude any liability coverage for claims, “directly or indirectly arising out of, resulting from or contributed to by electromagnetic fields, electromagnetic radiation, electromagnetism, radio waves or noise.” (Exclusion 32, page 7)

EXCLUSIONS
We will not
a) make any payment on your behalf for any claim, or
b) incur any costs and expenses, or
c) reimburse you for any loss, damage, legal expenses, fees or costs sustained by you, or
d) pay any medical expenses:

GENERAL INSURANCE EXCLUSIONS:

32. Electromagnetic fields
directly or indirectly arising out of, resulting from or contributed to by electromagnetic fields, electromagnetic radiation, electromagnetism, radio waves or noise.

See the full PDF document: INSURANCE FOR ARCHITECTS & ENGINEERS – ProSurance TM A&E Policy Document – Lloyd’s 2015

Another of the world’s largest insurance companies, Swiss Re, has recommended to other insurance companies to write in exclusion clauses against paying compensation for illnesses caused by continuous long-term non-ionising radiation exposure. The recent Austrian insurance company AUVA report confirms DNA-breaks caused by non-ionising radiation.

Source: Beyond Radiation blog by Mikko Ahonen, PhD