The government have been very clear about that age group you're right. But not clear enough that the restaurant can claim any insurance
The inability to claim on insurance has nothing to do with the Govt being “unclear”. They can’t claim because most would not have been covered for business interruption due to coronavirus anyway. It was not widely available and not a standard thing for restaurants to buy. The ABI has explained this :
QUOTE FROM GUARDIAN TODAY
Insurers: Most firms not covered for Covid-19
In a bitter blow to UK businesses, few will be able to claim on their insurance to cover the trading lost to the coronavirus pandemic.
The Association of British Insurers has said that typical insurance policies simply don’t cover Covid-19. So even if the government forced pubs, restaurants and cinemas to shut, they’d get no help from their insurer.
An ABI spokesperson says:
“Irrespective of whether or not the Government order closure of a business, the vast majority of firms won’t have purchased cover that will enable them to claim on their insurance to compensate for their business being closed by the Coronavirus.
“Standard business interruption cover – the type the majority of businesses purchase - does not include forced closure by authorities as it is intended to respond to physical damage at the property which results in the business being unable to continue to trade
“A small minority of typically larger firms might have purchased an extension to their cover for closure due to any infectious disease. In this instance an enforced closure could help them make the claim, but this will depend on the precise nature of the cover they have purchased so they should check with their insurer or broker to see if they are covered.”