Charles Leclerc will most likely be an “insurance policy” for Mercedes if they lose Lewis Hamilton at the end of this season. Ted Kravitz made that assertion as he discussed the reported £40m contract offer being prepared by Ferrari in a bid to sign the Brit. Hamilton’s contact expires this year and, despite assertions from both sides that a new deal will be signed, negotiations are yet to yield such an outcome. Speaking on the latest episode of the Sky Sports F1 podcast, Kravitz made it clear he does not foresee Hamilton leaving the Silver Arrows for Ferrari. But, in…