A property that caught fire and cause of fire is sabotage, but no claim is payable although you had cover a "Property All Risk" policy. Reason is that you do not extent cover for Malicious Act.

"Relying on increasing diseases and malnutrition to limit human Numbers in the world diminishes the quality of life for all humans and is a high-risk policy," the researchers conclude.

Meanwhile, should this prove to be more than a temporary scare, policy makers who have pulled out all the stops already to encourage risk-taking will be back to square one .