Tag: advice

How young drivers can save in 2024

2023 was particularly harsh on young drivers, with premiums soaring by over 50% as the cost-of-living pressures took effect.

The sky-high cost of learning to drive combined with these higher insurance premiums and new emissions costs for older cars, are all making it a struggle for young drivers to get on the roads.

Data shows the average car insurance premium for young 18-year-old drivers increased to £1207 in 2023. 

The experts at Quotezone.co.uk  have revealed ten savings hacks to help young drivers give their finances a fresh start for the new year.

One of the most important things for young drivers is to be safe and avoid penalty points, a fifth of convicted drivers in the UK have been driving for a year or less – according to a sample of over 15,000 convicted drivers, analysed by Quotezone.co.uk. 

Penalty points on a licence may not only result in a steep fine but will also bump up the insurance costs. Drivers can expect premiums to rise by 5% for three points and 25% for six points if they’re starting from a clean licence.

Young drivers or those with penalty points may be able to get cheaper insurance by opting for a telematics policy, or black box insurance.

Black box insurance starts collecting data on their driving immediately, if they’re a safe driver, this can help the insurer see them as less of a risk and may result in a more competitive price.  Although, like all premiums this year, prices are on the rise, in 2023 telematics was still able to save young drivers an average of £75 annually. 

Age group 18-24NO telematicsYES telematics
2021£1199£938
2022£1047£1050
2023£1230£1155

Quotezone.co.uk CEO Greg Wilson said: “Young drivers had a tough 2023 with delays to driving tests and backlogs for lessons plus the rising cost of everything associated with motoring – insurance, repairs, fuel – we’re hoping 2024 is a much better and cheaper year for those new to the road.

“There are lots of things young drivers can do to help bring the cost of driving down, from knowing how to avoid even the most unusual fines and penalty points to installing a black box and keeping modifications and mileage to a minimum. 

“We’re researched the top 10 ways we think will help young drivers save in 2024 along with the essentials such as shopping around and comparing product details, annual payments if possible and reviewing when exactly is the best time to buy, normally three weeks before the policy is due for renewal is the most competitive.

“Passing your test and taking to the road for the first time is a rite of passage and it would be worrying if new drivers started to struggle to make driving a reality due to cost, hopefully our money saving tips go some way to making a more affordable 2024.”

Quotezone.co.uk’s Top ten hacks that could help young drivers save:

1.         Do check your mileage

When taking out insurance, you will be asked to estimate your annual mileage. The costs will rise in incremental bands so the more miles you drive, the more you pay so try to be accurate and realistic with your prediction.

2.         Do park in a safe place

Car owners that make use of their garages, driveways or carports for overnight parking could make big savings on their car insurance – parking on driveways rather than on the road can save you over £140 on average every year and carports could save you even more, with £230 savings on average.

3.         Do consider switching to a smaller engine

Be sure to check your vehicle’s engine size and horsepower, both can impact the cost of your premium. Also, some small engines are turbocharged and that can give them more power than might be expected, which will likely cause the premium to increase.

4.         Do keep modifications to a minimum

It comes as no surprise that adding a custom exhaust or putting in lowered suspension might cause insurance premiums to rise, but even seemingly innocuous changes such as adding branding to a vehicle can affect the cost.

5.         Do consider a black box

A telematics policy, or black box insurance – starts collecting driving data immediately, this can help the insurer with their risk analysis, safer driving increases the chances of a competitive price for young drivers.

6.         Don’t over pack the vehicle

Packing items above the seat line will impair vision, while heavy loads are likely to affect a car’s handling and stopping distances.  Overloading a car past its capacity is a punishable offence, with a fine of up to £300 and 3 points. Driving without full visibility out all windows is also punishable and could result in a £50 fixed penalty.

7.         Don’t forget your sunglasses

Sunglasses are labelled with a ranking from zero to four in order to determine their strength and the time of day they can be worn. The average pair of sunglasses is categorised as a number two – these are recommended for daytime driving.  Driving with inappropriate eyewear could be detrimental to other road users, leaving drivers unable to detect dangers.  Motorists could be hit with a £100 on-the-spot fine and up to three penalty points for driving without due care or attention. 

8.         Don’t use the wrong fuel

Misfuelling is one of the most expensive mistakes motorists make. Pumping diesel fuel into a petrol car can lead to engine failure, leaving motorists to pick up the maintenance costs.   Rule 97 of the Highway Code states before drivers set off, they should ensure they have ‘sufficient fuel or charge for your journey, especially if it includes motorway driving’.  Careless or dangerous driving caused by low fuel will see motorists face fines of up to £100 and three points on their license. 

9.         Don’t leave the car switched on while waiting for friends

‘Idling’ or leaving the engine running unnecessarily while stationary on a public road goes against Section 42 of the Road Traffic Act.  Drivers risk a £20 penalty notice that will double if not paid in full within 28 days.  According to research conducted by Quotezone.co.uk, almost 11% of drivers fail to turn off their engines while waiting.** 

10.       Don’t splash pedestrians

Splashing pedestrians is actually illegal under section three of the Road Traffic Act, 1988 – and is considered to be driving ‘without reasonable consideration for other persons using the road’ – resulting in a fine of £100 and three penalty points on the licence, in some cases, fines can reach as much as £5,000 for driving without reasonable consideration for others on the road.

Quotezone.co.uk can help if you’re looking for learner drivers or  young drivers insurance.  If you live in Northern Ireland, CompareNI.com can help.  

Seven Steps to help get you through Dry January

TRANSFORM YOUR HEALTH IN 2024

PEOPLE embarking on Dry January need to wait at least 10 days before they see the full impact of ditching the booze, a top expert has explained. 

Counsellor and author Lynn Crilly said removing alcohol from your life for a month can bring “huge health benefits” that can set you on a path to a healthier and happier 2024.

Lynn said: “For moderate drinkers going alcohol free for a month can be challenging, but it is achievable and healthy. The same may not be the case for daily drinkers or those more dependent on alcohol and these people should seek professional advice and support before they do so.

“The first few days are likely to be the hardest as there may be some withdrawal symptoms such as difficulty in sleeping, and you are likely to also experience some hangover-like symptoms such as cloudy head, agitation, tiredness potentially this is due to lack of hydration. 

“By day five you may be craving sugar that the alcohol is no longer giving you, but on the plus side you should feel sharper and notice an improvement in your concentration. By day seven it gets even better because your sleep should improve significantly. By day ten you should be feeling less sluggish, more energised, and raring to go. The full benefits will kick in.

” In the long run it reduces the risk of diabetes, lowers cholesterol and blood pressure and reduces levels of cancer related proteins in the blood.”

Outlining the main benefits of Dry January, Lynn says: 

Detox:

Taking a rest from drinking alcohol can give your liver a much-needed break and time to re heal itself from the festive overindulging.

Alcohol is known as diuretic, which means it causes you to wee more than if you just drink water, this makes it harder for the body to hydrate itself which leads to dry skin. Reducing the level of alcohol will give your skin a more refreshed look and make your eyes brighter.

Often more calories are consumed by food rather than drink, meaning a potentially higher vitamin intake, leading to your skin looking healthy and glowing.

Improved Sleep:

One of the first things that people notice when doing dry January is that their sleeping pattern improves drastically and they experience an increase in their energy levels. While alcohol can help people to fall asleep faster, the quality of the sleep is less restful and you spend less time in ‘real ‘sleep. On the other hand, days when you do not drink can lead to a much better sleep, making it far easier to wake up in the mornings.

Feeling less bloated or even drop a few pounds: Depending on how much you were drinking before you may find you shed a few pounds over the course of the month as alcohol is liquid calories which many do not replace with food, also the craved junky food at the end of a boozy evening will also be of the menu!

Save money:

If you have been regularly spending money on alcohol it can really add up and put a dent in your budget, so by not shelling out for it you could put that money by and give yourself a treat at the end of the month such as a massage or a new outfit!

TIPS ON HOW TO BE SUCCESSFUL

Begin writing a journal:

At the beginning of the month write down the reasons you wanted to take a break from the drink, and the positive changes that are being made. Then if sometime during the month you are facing a particularly challenging time refer back to the journal to remember why you started. 

Start a new workout regime:

Since drinking can leave you feeling slow and sluggish, January may be the perfect time to start a new fitness regime. Having the new surge of energy will benefit you when exercising and release those positive endorphins.

Look at new ways to cope:

If a glass of wine was your way of winding down at the end of a day, it may be worth looking at other options such as yoga, reading, meditating, going for a walk or even a hot bath with lots of bubble bath can all help you to wind down.

Look for a replacement:

If drinking has become a habit, then it is a good idea to find a replacement to sip, sparkling water with lemon juice, or pour a can of flavoured tonic water into a wine glass and sip slowly, it is surprising how quickly one habit can be replaced with another especially when it makes you feel better. 

Team Up with a friend:

It is always easier to keep motivated if you are doing Dry January with a friend. Encourage friends and family to get involved, so that you are accountable and support each other or even raise some money for charity.

Keep Busy:

The first few days will be the hardest, so it is always a good idea to have things planned to keep you busy, do things that are fun and will help to take your mind off drinking, because the less time you must think about it the easier it will become. 

Be Kind to yourself:

Drinking has become so ingrained in our culture and everyday life, whether you’re celebrating a wedding or mourning the loss of a friend, it can be difficult to abstain from alcohol for a whole month.

People are often their own worst critic and can get down on themselves – and give up on their dry month if they have one drink, but please remember the whole point of attempting a month without alcohol is not to feel bad about yourself.

The goal is to become more mindful of the role it plays in your life, if it leads to you drinking less than you normally would, then that must be a win even if you still enjoyed the odd glass of wine. 

Safety hazards to avoid for pets this New Year’s Eve

Expert shares top dangers that could ruin your pet’s perfect new year

New Year’s Eve is a time of celebration with friends and family, the last thing you want to stop the festivities is an unnecessary trip to the vets.

It is up to us to do right by our pets and limit any stressful or hazardous situations by taking the necessary precautions to make this New Year’s Eve memorable for all the right reasons. 

To ensure the new year starts off on the right foot, the UK’s leading raw pet food and wellness company, Bella & Duke has shared easy to follow tips to keep your pet safe from any stress or potentially toxic foods.

  1. Plan ahead – Knowing that fireworks will be going off, it’s important to adjust your pet’s schedule around this. If you’re used to a night-time walk, gradually take your dog out for their daily exercise earlier in the day so you don’t get caught in the middle of a firework show or display. Take extra time to plan out your decorations for the house, long streaming banners, tinsel and balloons can all be choking hazards, so it’s best to err on the side of caution and keep decorations out of reach.
  1. Fireworks – Over the festive period we know there will be an increase in fireworks being set off. While there may be some dogs that aren’t too bothered by them, each year fireworks traumatise pets across the country.  The best way to limit the stress caused by the loud bangs and flashes is playing calming sounds, reggae or classical music have proven to be most effective. 
  1. Toxic treats – Your dog doesn’t know what it can and can’t eat, if they see food lying in reach, they’ll take it. Chocolates, sweets, alcohol and some cheeses can lead to digestion problems and in more severe cases with alcohol it can cause poisoning. Be cautious of what foods are lying around, we know it’s hard to keep track of this during the commotion of a party so play it on the safe side and keep your pets entertained with a variety of species-appropriate treats they can have all for themselves.
  1. Create a safe haven – The hustle and bustle of a New Year’s Eve party can be a lot for our furry friends to take in. What was once their relaxing home is now loud and filled with strangers. Even if your dog loves being the centre of attention and socialising with new people, set up a quiet corner of the house with some of their favourite toys, chews, treats and comforts.  
  1. Cool, calm and collected – After building your safe haven for your furry friend, take the extra step to make it a true place of relaxation. Consider adding an old jumper that smells of you, and additionally add a few sprays of Bella & Duke’s calm and balmy spray. The comforting scents of lavender, valerian and passionflower will help soothe your dog when fireworks and the parties are kicking off. Another great way to keep your pet preoccupied is to give them a large chew to focus on instead of the fireworks. But the best way to keep your canine companion calm is to be calm yourself! Your pets feed off your energy, be the pillar they need, reinforcing that everything is going to be okay.

Mark Scott, CEO at Bella & Duke, added: “Take the time as a pet owner to make up a safe haven for your furry friend, a quiet corner of the house to have some time to themselves. Don’t feel the need to ditch decorations completely but make sure there aren’t any choking hazards in reach.

“Finally, be there for your dog, if they start showing signs of stress take them away from the stressor and sit with each other. Remain calm and your pet will reflect your energy.”

Expert reveals 7 tips to avoid online dating scams

Navigating the world of online dating can be tricky and it’s important not to lose sight of the potential dangers and scams that you may encounter whilst engaging with other potential matches.

That’s why security expert Nathan Daniels from VPNOverview.com has outlined 7 steps you can take to protect yourself when dating online to ensure you don’t have a negative experience.

Turn off location tracking

Many dating apps require that you turn on location tracking. This means you have to allow these apps to view your location. Dating apps use this information to get you into contact with people who are close to you geographically.

Of course, this is a very useful feature. Nevertheless, it’s understandable you might not want to share your exact location with a dating app, or with any service for that matter.

It is strongly recommended to turn off geo-tracking once you’re no longer actively using your dating app. That way, at the very least, you prevent the app from tracking you constantly.

Request a video chat (before your first date)

Another great safe online dating tip is to filter out fake dating profiles by requesting a video call. In fact, it can be a regular call as well, although video chatting is definitely better. Most people with fake profiles will be very reluctant to have a call, especially if a video is involved.

Obviously, it’s much easier for scammers to deceive their victims through text messages and sending someone else’s pictures. If they were to agree to a call, they would most likely just be discovered as fraudsters. As such, if someone refuses to have a (video) call, you might just be dealing with a fake profile.

Of course, you might be dealing with someone who is serious about meeting up at some point. In that case, a video call or a regular call is very useful as well. It will help you to gauge the other user’s intentions and character a little bit. This could help you avoid some dangerous scenarios.

Don’t connect your dating profiles to other social media or platforms

It might be tempting, for convenience reasons, to just log in on a dating app with your Facebook account or your main Google account. However, it is strongly recommend to not do this, as it’s a potential privacy hazard. Just think about it – you’re connecting a profile that’s intended for friends and family to a platform where you’ll be contacting tons of people you don’t know. Instead try using another way to log in, that can’t be traced back to you. One method, for instance, would be to create a Google account with random information that doesn’t contain any of your personal data.

Choose pictures you don’t use elsewhere

By using a reverse image search, someone can easily use your dating profile pictures against you. They can simply use this Google tool to find other pages where the images appear. This way, they’ll easily find out your personal information, even if you didn’t include it on your dating profile.

As such, it is recommended to only use pictures on your dating profile that you’re not using anywhere else. This also means it’s a bad idea to allow Tinder or other dating apps to simply pull pictures from Facebook or other social media accounts.

Report suspicious activity and inappropriate behaviour

Many dating apps have ways to report profiles and/or inappropriate behaviour. This comes in handy when you come across a (potentially) fake profile or behaviour that makes you uncomfortable. By reporting the profile involved, you will make your own and others’ dating experiences safer.

After you report an account, the respective dating app will generally launch an investigation. If someone’s profile is found to be fake or they are found guilty of inappropriate behaviour, their account will be deleted.

Types of suspicious or inappropriate activity you might encounter on dating apps include the following:

  • Fake profiles. Always be wary if you see a profile that’s unverified, offers little information, or seems too good to be true.
  • Money demands. If someone asks you for money, there’s a good chance they’re a catfish.
  • Requests for explicit pictures. The person requesting these pictures might plan on sextorting you.
  • Inappropriate messages, such as messages containing threats or sexual intimidation.
  • Unacceptable behaviour during a physical meeting exhibited by the people you meet.
  • Messages where people try to sell you something or get you to do something unrelated to dating (spam).
  • Rejection of video calls, even after chatting with someone for a long time. This might indicate you’re dealing with a fake account.

Many dating platforms also offer the possibility of blocking a specific user. This is a great option if someone is bothering you and you don’t want to have them contact you while you’re awaiting the results of the dating app’s investigation after reporting them.

Be wary of malicious files and pages

Some catfish operate by infecting their victims’ devices with malware. Rather than asking you for money, they might attempt to infect your system with a keylogger, in the hope. of getting their hands on your financial data.

That’s why it’s recommended to not download or click on any files that a new chat partner might send you. It’s best to wait until you know them a bit better and trust the,. The same goes for visiting links they send you – both can contain dangerous malware.

Apart from always being vigilant, we recommend getting a solid antivirus solution to protect yourself from malware.

Delete your account when you’re done dating

Have you finally met your soul mater? Or have you had your fill of casual dating fun? Either way, consider another valuable safe online dating tip, and make sure to delete your online dating account once you’re done dating.

Deleting your dating profile will erase (most of) your personal information on the dating platform in question. As a result, it will be much more difficult for others to abuse your personal information.

Keep pets safe during New Year fireworks, urge vets

As the nation sees in the New Year with celebratory fireworks, the British Veterinary Association (BVA) is advising owners on how to keep their pets safe during the celebrations.

Firework noise can reach up to 150 decibels and pets can be particularly sensitive to noise, meaning New Year’s Eve can be traumatic for them. Luckily there are some simple things that can be done around the house to prevent unnecessary stress for dogs, cats and other pets.

Five top tips to help keep your pets calm during New Year’s Eve:

  • Prepare a den for your pet before New Year’s Eve and give them praise when they are relaxed there, so they come to view it as a safe retreat.
  • Use pheromone products next to the den and around the home. These are scents that we can’t smell but can help to reduce a pet’s stress.
  • Provide background noise and close curtains and windows on New Year’s Eve, when fireworks are expected.
  • Remain calm yourself. Never punish your pet – remember, if they toilet in the house it’s not their fault.
  • Move small pets, such as rabbits and guinea pigs, to a quiet place indoors when fireworks are expected, and provide lots of bedding to help them feel secure and mask the sounds. If you are having a party, remember to move them to a quiet area of the house.

British Veterinary Association President Anna Judson, said: “New Year celebrations can be a frightening time for pets. Parties and gatherings often mean an increase in visitors and noise and a disruption to their usual routines.

“When we add in the anxiety caused by New Year’s Eve fireworks, it’s not surprising that many animals become unsettled and even distressed.

“We recommend that all owners make themselves aware of the specific symptoms of noise phobia in their animal and take steps to minimize the impact of fireworks and other festivities on their pets.”

Signs of distress can vary among different animals and some pets may display quite subtle signs, including restlessness, changes to facial expression, panting, drooling, reluctance to be on their own, toileting in the house or other changes in behaviour. However, in severe cases they may become very agitated or even destructive in their attempts to escape, with the most extreme cases requiring veterinary care.

If your pet is severely distressed by fireworks, a visit to your vet for some short-term treatment as well as to make plans with for a longer-term solution should be considered. A phobia of fireworks can often be effectively treated with behaviour-modification techniques, administered with professional input, and owner commitment and patience. Visit your vet to discuss treatment options and for a potential referral for behaviour therapy.

RoSPA: Make it an accident-free December to remember

  • RoSPA: with overall hospital admissions up across the board it’s more important than ever to prevent accidents and both reduce pressure on the NHS and ensure people’s Christmas isn’t ruined by spending hours in overcrowded A&Es.
  • RoSPA: Have fun and enjoy the festive period safely

Enjoy the festive season but make it a safe one too, that’s the message from accident prevention experts, The Royal Society for the Prevention of Accidents (RoSPA), ahead of the Christmas chaos.

NHS figures show that overall total hospital admissions for all causes were up last year[i], with over half a million emergency admissions – the equivalent to the population of Edinburgh requiring urgent treatment. 

Jim Oram, Public Health Project Officer at RoSPA advises reducing accident risk to avoid spending hours in overcrowded accident and emergency departments:  “It’s easy to get caught up in the excitement during the festive period, but having more people in the home can add to the risks.

“With some forward planning and awareness of potential hazards, your festive season can be safe and happy for everyone.”  

Here are RoSPA’s top tips to stay safe this festive season:   

  1. Reduce the risk of a fall

In the UK, we saw 7,229 patients admitted to hospital last December with hip fractures and that was up 20 per cent on the year before[1]. Keep yourself and loved ones safe by keeping the floor, stairs and walkways clear, and clean up any spillages as soon as you can. And if the weather takes an icy turn, grit the paths and walkways outside. 

  1. Only purchase gifts from reputable traders

When buying presents, opt for reputable retailers, especially when shopping online. If a trader does not have a high street presence in the UK, check online reviews before buying.  Online sellers should have a UK address listed on their website.

Look for the CE, UKCA, UKNI, and Lion marks on toys, and check for age-appropriateness and warnings.

Button batteries in toys should always be inside a lockable compartment, and any magnets used in toys should be secure to avoid ingestion.
 

  1. Prepare for young visitors

There are some fantastically fun novelty decorations out at this time of year, but it’s important to remember these are not toys and therefore do not have to comply with toy safety regulations.

If you have a young family or have children visiting, always be mindful of decorations they could put into their mouths. Some decorations are particularly risky, such as ones with unsecure button batteries, ones made from glass and those with magnets inside. It’s also worth having a check that cleaning products, vapes and medications are kept out of reach, and blind cords have the appropriate safety fixtures. 

  1. Think fire safety

Last year there were nearly 200,000 house fires in the UK alone[2], so taking fire safety seriously is key.

Use electrical candles over real flames, keep decorations and cards away from heat sources, replace old Christmas lights and try not to leave anything plugged in overnight. 

  1. Maximise kitchen safety

It’s a familiar scene – the chef cooking the roasties while helpers ferry plates from A to B, and children run around high on the festivities of the day. And while everyone should enjoy the atmosphere, it’s best to keep spirits high by avoiding accidents. Allow ample time to avoid accidents from rushing and where possible, keep non-helpers out of the kitchen.

Figures from the Hip Fracture Database indicate a peak in falls around December[3], so be sure to clean up spills and clutter promptly to reduce the risk of your family or friends falling over.

  1. Keep hot crockery and drinks out of reach

Burns are the fourth common form of trauma worldwide, after road traffic collisions, falls and interpersonal violence[4], with around half of those affected children. With a higher frequency of hot drinks, food, and cooked edibles around, be mindful to keep hot pans, plates and drinks out of reach. 

Tomorrow: Winter Warmer at Royston Wardieburn Community Centre

COMMUNITY EVENT – WEDNESDAY 29 NOVEMBER from 9.30am

Campaign launched to keep Scotland’s homes safe in winter

Edinburgh urged to get winter ready after chilling -8C lows

A WATER expert is calling on the public to get their homes prepared for winter to avoid burst pipes and irreparable damage during Scotland’s coldest months.

With the Met Office reporting temperatures as low as -8C in Edinburgh last winter, Scottish Water has launched its ‘Be Winter Wise’ campaign sharing simple steps to save water, save money and protect homes.

In 2022 the public body reported a surge in burst pipes due to rapid thaw, resulting in millions of pounds worth of damage and an additional 250 million litres of water a day pumped into the network.

Brian Lironi, Director of Corporate Affairs at Scottish Water, said: “If last winter is anything to go by, homeowners, landlords and businesses around the country need to take early action to protect their properties and their pockets this year.

“Something as simple as insulating pipes can have a positive impact on safeguarding homes and workplaces. And reducing the amount of hot water you use, like taking two minutes off your shower, can also help save money too.

“We’re hoping the launch of our six crucial tips and tricks will put Scotland’s properties in a better place as the days get considerably colder.”

Now, Scottish Water has shared its top tips to help the public prepare for sub-zero temperatures and to prevent problems such as burst pipes, flooding and water leakages – and the inconvenience and expense that come with them.

Scottish Water’s six top tips for winter safety are:

  1. Protect your pipes

When temperatures fall below zero, water in pipes expands as it freezes. It then contracts as the temperature rises, which can cause pipes to crack or burst. Insulating pipes and water tanks is one of the simplest and cheapest things that can be done to help protect properties from the cold.

  1. Locate your stop valve

If pipes do freeze or burst, you must find and turn off your stop valve immediately. It is often under a sink or near the hot water system. If in doubt, check with a local, licensed plumber.

  1. Warm yourself, not the room

Stay cosy with hot water bottles and drinks, but only boil what you need – a full mug boils faster than a full kettle.

  1. Save on energy bills

Shorter showers can reduce energy bills and save water, which is a win for you and our planet. Try taking just two minutes off your shower and save up to £130 off your annual energy bill*.

  1. Avoid blocks and floods

Stovies, soups and stews are great winter warmers for this time of year. But don’t pour fats, oils or grease down the sink – when they cool, they congeal and cause blockages in your pipes, which could lead to flooding. Why not make your own ‘gunk pot’ – www.yourwateryourlife.co.uk/homemade-gunk-pots/

  1. Save water and money

Using a dishwasher or washing machine on its eco setting can save you money on energy and save water – which is good for the planet. Washing full loads make sense too, getting your money’s worth out of each cycle. 

Brian Lironi, Director of Corporate Affairs at Scottish Water, said: “Winter can be an expensive time of year, so it makes sense to save on your energy bills by using less water. Water is always worth saving at any time of year and making small lifestyle or business changes can do just that.

“We want everyone to be as prepared as possible to minimise winter’s impact. We want to work with our customers – whether they’re householders or businesses – to ensure we are all ready for cold weather.”

Publicly owned Scottish Water will be visiting communities as part of a winter roadshow, giving in-person advice to customers. Drop in events will be held in Newton Mearns, Stirling, Rutherglen, Dundee, Aberdeen and Inverness throughout November and December.

Details on the events can be found here: 

https://www.yourwateryourlife.co.uk/events/

Lothian charities encouraged to safeguard donations and resources during Fraud Awareness Week

With Charity Fraud Awareness Week taking place between 27th November and 1st December, Ansvar, a leading specialist insurer for the charity, not-for-profit and faith sectors, is raising awareness about how organisations across The Lothians can be proactive to protect their assets, reputation, and beneficiaries.

The week serves as a vital initiative to promote understanding about the serious issue of fraud within the charitable sector. From deceptive grant applications to cyber-attacks, and individuals posing as suppliers with ill intentions, fraudulent activities can severely impact resources and reputations.

Sam Ward, Risk & Compliance Consultant at Ansvar, commented: “Charities and not-for-profit organisations play a crucial role in our society and must protect themselves against the nefarious tactics of fraudsters. Preventing charity fraud is not only about protecting financial assets but also maintains the crucial trust needed for the ongoing support of the public and donors.

“Charity Fraud Awareness Week serves as a timely reminder to be vigilant and take proactive steps to preserve valuable resources. We are supporting the work it does to raise awareness and highlight good practice. By providing practical information, we can help charitable organisations protect their assets and continue to make a difference.”

Ansvar’s key strategies that charities and not-for-profit organisations can implement to help protect themselves against fraud are:

Protect assets: Safeguarding physical cash and securing online transactions are paramount. Be aware of the risks in terms of financial transactions and implement strong internal controls to mitigate those risks.

Screen personnel: Ensure the right people are on board, from employees to suppliers. Implement comprehensive vetting procedures for staff and suppliers to identify potential risks.

Train staff: Educate staff about the tell-tale signs of fraud, such as common spelling errors in communication, unusual communication tones, or unexpected urgent requests from unknown sources.

Regularly assess risks: Conduct risk assessments to identify vulnerable areas within an organisation. Knowing where potential risks lie allows charities to implement safeguards and allocate responsibilities appropriately. Multiple individuals should oversee high-risk areas, such as finances, to create a robust system of checks and balances. Ansvar’s online risk assessment guide for charities may help.

Have adequate insurance: Having the right insurance is crucial. Ensure a policy covers the specific risks an organisation faces and be aware of any exclusions.

Ansvar’s Sam Ward explains: “Your insurance broker will be able to help you find the right policy for your specific needs. If you have any doubts, do not hesitate to seek their guidance.”

Cyber-attacks are also a growing concern for charitable organisations. The increasing sophistication of cyber threats makes it challenging to differentiate between legitimate and malicious communications, especially without proper training and processes in place. Charities must invest in cybersecurity measures to protect sensitive data and maintain the trust of their donors.

Sam Ward underscores the importance of these measures:

“Fraud, including cyber-attacks, is a very real threat. Charity Fraud Awareness Week is a reminder for charities to fortify their defences against deceptive activities, and we are encouraging charitable and not-for-profit organisations to take proactive measures to protect themselves.

“By implementing practical steps, charities can continue their invaluable work and ensure that funds entrusted to them are used for their intended purposes.”