The match is off, but the fight for the result may just be starting.

At present, as the ECB and BCCI sift through the fallout of the Test that never was, we know neither the result of the match or the series. We don’t know if the series will be finished in the 2022 English season, or if a one-off Test will be scheduled to mitigate for the substantial losses incurred by this one. We do not even know, for sure, what the insurance implications are.

The basic facts are these: if the Test is deemed, by the ICC, to have been called off due to Covid, the game will be treated as abandoned. As a consequence, the series will finish (at least for now) as a 2-1 victory to India. This scenario would also mean the ECB receiving no insurance payout as it is not covered for this eventuality.

But if the ICC decide India have effectively forfeited the match, the game will be awarded to England and the result of the series will be deemed to be 2-2. This scenario would also enable the ECB to make a claim for an insurance payout.

The compromise solution, offered by the BCCI, is the rescheduling of this game. With India’s white-ball sides due to tour England in 2022, there would appear to be small window available for such a solution, though even then it is unclear whether the match would be treated as standalone or a completion of the current series.

“We have to just take a breath and ask the ICC to formally adjudicate on the result of this,” Tom Harrison, the ECB chief executive, said. “The BCCI have offered to reschedule the match, which is good news. But whether that is part of this series, a fresh one-match series or the first match of another series, I don’t know yet.

“These are the things that we need to take some time over. I know that fans will be anxious to know. Players are, too. But we do need to take some time in these situations.”

Though both boards’ public statements sounded conciliatory, ESPNcricinfo has learned that, behind-the-scenes, the action has been every bit as competitive as anything we have seen on the pitch. The ECB has asserted that, if there is no rearranged date for the game, then the Test should be deemed to have been forfeited by India. That would not only square the series at 2-2, but would allow the ECB to claim insurance payouts on lost revenues, which could well exceed GBP 30 million (USD 41.6 million approx.).

The ECB is not covered for Covid-impacted cancellation by insurance. While Harrison did originally seem to imply it was in an interview on Sky Sports, he later clarified to confirm it was not. Instead, he confirmed that all ticket-holders will be refunded by the ECB. Crucially, he argues that the match was not called-off due to a Covid outbreak, but due to fears of a Covid outbreak.

The ICC’s World Test Championship conditions accept Covid outbreaks as an acceptable reason for abandoning a match, a tour or a series if it has a “significant impact” on a team’s ability to field a team. Whether they accept the fear of Covid as a reason for abandonment remains to be seen. Harrison – and separately Dinesh Karthik, who worked with the Sky commentary team during the series – both implied that it was fatigue from bubble life as much as anything else that drove the decision.

“There is a tangible difference between those things [forfeit or cancellation], Harrison said. “This is not a Covid cancellation. This is a match cancelled because of serious concerns over the mental health and well-being of one of the teams. There is a difference. But it doesn’t make a difference in respect of a ticket buyers; they will be paid back in full. It makes a difference in terms of the ECB balance sheet.

“You can’t be flippant about issues of mental health, and this is what this is about. India have been wonderful tourists, but they have been here for a long time. Playing at this level, week after week, is difficult. Even if we feel we are emerging from the pandemic, life is different for the players. When Covid creeps into an environment, it can accelerate very quickly.”

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