The declaration of a pandemic could be significant for insurance policies as some policies exclude elements of cover if a pandemic is declared.
It seems to me the government has been following the advice of health experts. You can read what is being done and may follow soon on the BBC website. There has been no shortage of information for individuals from BBC, NHS and, in my case, my doctor's surgery. My wife and I (both over 70) have decided to avoid contact with large groups as a result.
Personally, I would have stopped crowds attending the Cheltenham races and football matches; but one has to ask whether avid race-goers with accommodation booked and paid for would not have travelled anyway and watched the races in pubs which were less well equipped than the racecourse. You can bar the punter from the racecourse but you wouldn't keep him from the bar.
90th birthday mini hamper ideas!