In fairness, the £500 is a free gift and not a loan - it's for instant things like food etc. Also, we were incensed to see some on the news saying they simply didn't have insurance and not that they couldn't get it (some, of course). Some were saying they had to choose whether to buy insurance OR feed their kids. While smoking a fag. I have absolute sympathy for those flooded out but some people really do have to start helping themselves as well.