Tag: insurance

Further severe weather warning as rain continues

Update 7pm Sun 8th October – Flooding focus remains on north as SEPA warn communities to stay alert

Alerts and Warnings as at 19:00 – check floodline.sepa.org.uk/floodupdates for latest situation

The Scottish Environment Protection Agency (SEPA) have warned communities to stay vigilant as the weekend of severe weather continues across Sunday evening and into Monday morning. 

Multiple Flood Warnings and Alerts are in place across Scotland, with the focus remaining on the Spey and Tay catchments.

While local Flood Warnings in some areas of Scotland may start coming off over the evening as rivers fall, others will stay in force as some waters continue to rise and the agency continues to warn of likely impacts as communities count the cost of the weekend’s flood damage. 

Ruth Ellis, SEPA’s Flood Duty Manager, said: “Today the focus turned to communities across the North, with a particular concern for severe flood impacts to communities along the Spey and Tay rivers. I want to be clear that communities in these areas should stay alert over the evening as some rivers will continue to rise over the course of the evening. The risk to life remains.

“It’s been a difficult weekend across Scotland, with severe weather causing widespread travel disruption to road and rail networks and impacts in communities all over Scotland. Across many areas of the country there is still some deep standing water and it’s really important people understand the danger.

“Hazards can be hidden, so please don’t walk or drive into flood water. Remember that not only is flood water likely to be dirty, 30 cm of fast flowing water can move an average family sized car, and just 15 cm of fast flowing water could be enough to knock you off your feet.

“Our teams have been working around the clock with partner agencies, including Scottish Government, the Met Office, emergency services and local authorities across this major weather event. We will continue to provide information and support in the coming days and weeks to ensure Scotland recovers from this event and becomes more resilient to future flooding.

“We’ll be continuing to issue further updates across the evening to communities across northern Scotland and our advice remains for people to keep up to date with information from sepa.org.uk and follow guidance from emergency services.” 

Update 9am, Sun 8th Oct – Flooding focus turns north as SEPA warn communities to stay alert

The Scottish Environment Protection Agency (SEPA) have warned communities to stay vigilant as the weekend of severe weather continues across Sunday. 

Multiple Flood Warnings and Alerts are in place across Scotland as the agency continues to warn of likely impacts on Sunday and communities count the cost of Saturday’s flood damage. 

Vincent Fitzsimons, SEPA’s Flood Duty Manager, said: “It’s been a rough weekend across Scotland, with severe weather causing widespread travel disruption to road and rail networks and impacts in communities from Greenock to Aviemore. 

“Our teams have been working around the clock with Scottish Government and the Met Office in the lead into and across this major weather event. We have been issuing Alerts and Warnings to communities at risk and supporting first responders.  

“Today the focus continues to turn to communities across the North, with a particular concern for severe flood impacts to communities along the Spey and Tay rivers. It’s a day to stay alert, not stand down. The risk to life remains.

“We’ll be issuing further updates across the day to communities across northern Scotland and our advice remains for people to keep up to date with information from sepa.org.uk and follow guidance from emergency services.” 

People are being urged to avoid travel by road in Argyll and Bute and to consider carefully travel in other areas most impacted by the weekend’s severe rainfall.

SEPA has indicated up to a month’s worth of rain could fall in some areas over the course of the weekend.  Rainfall is causing significant disruption in parts of Scotland, including road closures and rail service cancellations.

https://twitter.com/i/status/1710746869255520617

On Saturday afternoon the Met Office issued an Amber Warning for rain extending across Angus, Perth and Kinross, Aberdeenshire, Moray and Highland until 2pm on Sunday.

In Argyll and Bute, the Local Resilience Partnership has established a Care for People Sub-Group, led by the local Health and Social Care Partnership, which is working to identify and reach vulnerable people that may be difficult to reach, with assistance from the voluntary sector. Argyll and Bute Council is assisting by contacting community groups in affected areas with a view to initiating local support, such as opening up community halls.

On Friday the Met Office issued an amber warning for rain, covering Inverclyde, Renfrewshire, East Renfrewshire, Glasgow, North Lanarkshire, East and West Dunbartonshire, Argyll and Lochaber, parts of Stirling, Perthshire, Aberdeenshire and the Highlands. It is in place until 6 am on Sunday. Yellow warnings for rain remain in place for other large parts the country and are updated on the Met Office website.

The greatest impacts earlier on Saturday were experienced in Inverclyde, Renfrewshire, East Renfrewshire, Glasgow, North Lanarkshire, East and West Dunbartonshire, Argyll and Lochaber, parts of Stirling, Perthshire, Aberdeenshire and the Highlands. In Argyll and Bute, several roads have been closed due to flooding and landslides, including:

  • the A83 between Tarbet and Inverary
  • the A815 between Dunoon and the A83
  • the A816 between Lochgiphead and Oban
  • the A85 at Loch Awe

Road operating companies are assisting Police Scotland with the closures and clear up operations, however due to the continuing rainfall it will not be possible to make an assessment of the landslides or undertake clear up operations until conditions improve.

Network Rail has reported many incidents of severe flooding across the network, resulting in widespread cancellations to services. This includes suspension of services between Inverness and Perth. Services running across the whole ScotRail network have been cancelled, delayed or revised.

On Saturday afternoon Justice Secretary and Minister for Resilience Angela Constance chaired a meeting of the Scottish Government’s Resilience Committee (SGoRR), which was attended by First Minister Humza Yousaf, Transport Secretary Màiri McAllan, Transport Minister Fiona Hyslop and key responder agencies.

They discussed the immediate response to the local impacts, as well as further actions being taken to support those communities most affected.

Ms Constance said: “As the weather warnings outline, heavy rainfall is expected to continue in many parts of the country into Sunday and some areas will have a month’s worth of rain over the course of the weekend.

“I would urge everyone across the country to heed the travel warnings being issued by Police Scotland and others – in particular, drivers in Argyll and Bute should avoid travel due to the significant disruption across the road network.  

“We are aware that the initial, most severe impacts have been felt by people and businesses in Argyll and Bute, as well as other areas in the west and north of the country.

“Ministers are receiving regular updates on the situation from partners, including SEPA, the Met Office, and Police Scotland as it unfolds. This afternoon I convened SGoRR in recognition of the severity of the situation which will continue to develop over the next 24 hours.

“I am grateful for the efforts of partners and volunteers to help the public stay safe and where possible to restore services.

“Anyone seeking live updates should follow these partners organisations on social media, and can also consult the Ready Scotland website for general advice.”

Police Scotland Assistant Chief Constable Tim Mairs said: “Officers have been dealing with significant disruption on the roads caused by the heavy rainfall and we would expect this to continue into Sunday.

“It is important that we do everything we can to keep people safe and officers are out in communities helping those who need us.

“Our advice is to plan ahead and consider if your journey is really necessary or if it can be delayed until conditions improve. If you need to travel, please drive to the conditions and take extra time for your journey.”

Vincent Fitzsimons, Flood Duty Manager for the Scottish Environment Protection Agency (SEPA), said yesterday: “SEPA has issued Regional Flood Alerts and more locally specific Flood Warnings across Scotland due to the major rainfall event that is bringing prolonged, heavy rain throughout the day and into Sunday.

“I want to be very clear that this is not a normal Autumn day for Scotland. We’re expecting extensive river and surface water flooding in affected areas. There is a danger to life. There will be widespread impacts to road and rail. There is a risk of more significant community scale property flooding.

“Rain will move across central and western parts this morning, moving northwards through the day. Many areas will see heavy rain for well over 24hrs before it clears on Sunday. Of particular concern are communities in the amber area that extends from west central Scotland northwards.

“Further Local Flood Warnings are likely to be issued, people can always check our Flood Updates for all the latest information. We advise people living, working and travelling in the affected areas to consider any steps they need to take now to be prepared for flooding impacts and consider whether their journey is necessary.”

The Scottish Environment Protection Agency (SEPA) issues flood alerts and warnings for Scotland. View the latest updates on their website.

Updates on ScotRail services and road conditions are available online.

Advice on preparing for severe weather can be found on the Ready Scotland website.     

SEPA UPDATE – SATURDAY 6pm   

Vincent Fitzsimons, Flood Duty Manager for the Scottish Environment Protection Agency (SEPA), said: “Scotland is experiencing a major rainfall event that is bringing prolonged, heavy rain throughout the day and well into Sunday.

“I want to be very clear that this is not a normal Autumn weekend for Scotland. We’re expecting extensive river and surface water flooding in affected areas. There is a danger to life. There are widespread impacts to road and rail. There is a risk of more significant community scale property flooding.

“Heavy rain has been falling since Friday night in many areas and will continue in northern Scotland throughout Saturday evening and well into Sunday. Some areas will have seen more than a month’s rain by the end of the weekend.

“Of particular concern are communities in the Met Office amber weather warning area that extends across much of northern Scotland. Examples include Aviemore and communities down the Spey Valley, but many more communities are also at risk. SEPA has been working closely with partners to help them target support for these areas.

”People should check our live Flood Updates for all the latest information. We advise people living, working and travelling in the affected areas to consider any steps they need to take now to be prepared for flooding impacts and consider whether their journey is necessary.

“We will continue to keep a very close eye on the situation, monitoring 24/7 as well as working closely with the Met Office and other partner agencies.

“We would strongly advise people to sign up to Floodline to receive free updates and heed emergency service and local authority advice.

“As well as checking our live Flood Updates for all the latest information, people can view the three-day Scottish Flood Forecast to see what conditions are expected further ahead.”

NFU Mutual is issuing flood advice as the Met Office issues an amber warning for heavy rain across many Scottish communities.

Up to 180mm of rain could fall throughout Saturday and into Sunday, with Grampian, Central, Tayside, Fife, Strathclyde and the Highlands all in danger of disruptive and dangerous downpours and flooding.

Heavy rain could lead to flash flooding with fast moving water, cutting off transport routes, and leading rural insurer NFU Mutual is urging home and business owners in Scotland to fortify their properties if possible but make safety their priority.

If they are affected by flooding, people should look at how they can work with their insurer to repair their property to be more resilient to flooding in the future.

Andrew Chalk, home insurance specialist at NFU Mutual, said: “Time and again we’ve seen how destructive and disruptive flash flooding can be for communities, and NFU Mutual Agents in Scotland stand ready to rapidly assist people impacted by these predicted downpours – including facilitating rapid payments for smaller claims and mobilising our network of loss adjusters and repairers.

“But the best way to avoid disruption, if possible, is to take some sensible steps provided by NFU Mutual to protect your property. If you have flood defences, activate them now, move valuable possessions and electrical items to higher ground and prepare a flood or extreme weather pack.

“Have your insurer’s details to hand and if you are impacted by flooding, be sure to ask your insurer and loss adjuster about flood resilient repairs. Since 2017, NFU Mutual has offered its Flood Resilient Repair scheme to all home insurance customers. As part of the scheme, customers who suffer flood damage above £10,000 receive a contribution from NFU Mutual to implement repairs which will protect the property from future flooding.

“According to NFU Mutual claims data, the average damage to a home caused by floods in 2022 was £20,706. A flood resilient home, using things like non-return valves, tiling, and resilient materials on lower floors can massively reduce this bill, and many resilient repairs will cost no more than like-for-like repairs.

“With more insurers also now offering flood resilient repairs under the Government-backed Build Back Better scheme, it is worth checking if you can access extra help if you suffer a flood.”

NFU Mutual flood advice

NFU Mutual’s flood preparedness checklist:

  • Check if your property is at risk of flooding on the Government website.
  • Sign up for flood alerts on the Government website – these can be sent by text, email or delivered by phone call.
  • Put a flood plan in place, including:
    • Moving valuables – including electric items – to a safe space
    • Thinking about vulnerable members of your household and neighbours
    • Noting down useful numbers like gas and electricity suppliers, the National Grid, local council and insurer
    • Ensuring you know how to switch off your mains electricity and gas supply
  • Consider procuring sandbags or other flood defence systems
  • Prepare a flood or storm back, including:
    • Bottled water and snacks
    • Food for vulnerable household members like babies, children, and elderly relatives
    • Pet food
    • Torches with charged batteries
    • Mobile phone power banks and chargers

What to do if your home is flooded:

  • Make safety your priority. Keep your family and pets away from the flood water and move to another part of the property.
  • Call your insurer immediately, asking about alternative accommodation if your property is unsafe.
  • Contact family and friends.
  • If you can, switch off mains gas and electricity supplies in the affected area.
  • Have a pack with essential items like prescriptions, other medicines and food, paying particular attention to items like baby food.
  • Have a torch and charged mobile phone on hand in case of power cuts.
  • When it’s safe to enter the flooded area again, catalogue all damaged items for insurance claims and begin clearing and drying out the area, seeking advice from your insurance company.
  • Business owners should remain in contact with employees and customers.

NFU Mutual’s flood resilient repairs checklist

Flood resilient repairs are repairs carried out following flood damage which help prevent extensive damage in any subsequent flood. Some may come with additional cost, but many will cost no more than restoration. Resilient repairs to ask your loss adjuster or insurer about include:

  • Raising electrical sockets and white goods away from floor level.
  • Replacing flooring with waterproof tiling and grout.
  • Waterproof paint.
  • Installing flood-resistant, self-sealing air bricks.
  • Fitting non-return valves to drains to prevent backflow flooding.
  • Replacing doors with waterproof doors to prevent floodwater spreading.
  • Fitting flood barriers to doors or air brick covers.
  • Permeable paving or driveways.
  • Inflatable toilet pan seals or bungs to prevent backflow.
  • uPVC skirting boards and kitchen units.
  • Removable doors.
  • Basement tanking or pump systems (integrated or portable).

Storm Agnes: Be Prepared

Insurance advice from the ABI 

Homeowners and businesses need to be prepared as Storm Agnes approaches. But be assured that, should you suffer any storm damage, insurers will do everything they can to help you recover as quickly as possible.  

Damage caused by storms is covered by standard home insurance, commercial business policies, and comprehensive motor insurance. 

Mark Shepherd, Head of General Insurance Policy at the Association of British Insurers said: “Insurers expect bad weather at any time and their priority is always to help their affected customers recover as quickly as possible. 

“Where properties are damaged by floods or storms, insurers will be on hand to make emergency payments, arrange any temporary emergency accommodation, and make sure the damage is repaired. 

“If you suffer damage to your property, contact your insurer as soon as you can for help and advice.” 

The ABI advises people to: 

·       Keep a close eye on weather warnings, and follow advice from The Met Office, The Environment Agency, Scottish Environment Protection Agency, Natural Resources Wales and the Department for Infrastructure in Northern Ireland. 

·       Where possible, store items left in gardens that can easily be blown away and cause damage, like ladders, inside, or ensure they are secure. 

·       Have contact details of your home insurer to hand, along with other emergency contact numbers for your utility providers and the local authority. 

If you suffer storm damage: 

·       Contact your insurer as soon as possible. Most will have 24-hour emergency helplines to ensure you get advice on what to do and arrange repairs as quickly as is possible. 

·       If necessary, arrange temporary emergency repairs to stop any damage getting worse, but speak to your insurer first. 
If you have to arrange emergency repairs yourself, tell your insurer and keep any receipts, as this will form part of your claim. 

·       Do not be in a rush to throw away damaged items, unless they are a danger to health, as these may be able to be repaired or restored. Your insurer will advise. 

If your home is uninhabitable while repairs are being carried out, your insurer will arrange for, and pay the cost of, any alternative temporary accommodation you may need in line with your policy. 
 
Commercial polices will cover damage to premises and stock. Business interruption cover (which may be included or purchased separately) will cover additional trading costs, such as hiring temporary alternative trading premises if necessary. 
 
Comprehensive motor insurance covers the cost of repairing or replacing vehicles damaged by storms. 

Urgent call to secure Edinburgh and the Lothians’ community halls

In an era marked by evolving community dynamics and changing societal needs, village and community halls across The Lothians have developed into central hubs for an ever-growing variety of activities.

In addition to the traditional group meetings, toddler groups and pantomimes, these spaces now foster the growth of small enterprises, facilitate community engagement, and house community businesses, such as post offices, cafes, and libraries.

However, the threat to their continued success lies in the balance as the addition of activities and changes in purpose bring new risks that may invalidate their insurance coverage.

Ansvar, the expert insurers for the charity and not-for-profit sectors, are urging centre committees to verify the adequacy of their existing protective coverage to guarantee the protection of these venues for future use.

There are approximately 3,000 centres[1] across Scotland that host thousands of events and celebrations every year. With some of these halls and centres being built before World War I or to commemorate it, many have been vital community spaces for over 100 years.

The varying usage agreements and quality of provisions and building materials differ considerably across the country. As such, they can face various risks, from accidental damage and fire hazards to potential liability claims.

Adam Tier, Head of Underwriting at Ansvar, emphasises the importance: “Village and community halls are no longer limited to being mere event venues; they have seamlessly woven themselves into the fabric of everyday life.

“From hosting yoga classes and farmers’ markets to providing space for personal trainers, art workshops and post offices, these halls have become the lifeblood of community interaction. This evolution has created vibrant ecosystems where entrepreneurs can thrive, neighbours can connect, and shared resources can flourish.

“Indeed, by acting as vaccination centres during the Covid-19 pandemic and, due to the current cost of living crisis, as places families can go to receive emergency food provision, their importance to a community has been reaffirmed. The transformation of village and community halls into multi-purpose hubs is a heartwarming reflection of communities adapting to changing times. However, this also calls for a reassessment of the protective measures in place.”

Due to recent inflationary pressures and the rapid increase in the cost of materials, a significant number of village halls and community centres will now be underinsured.

Adam Tier added: “Being underinsured can have devastating consequences in the event of a large loss or significant damage to these buildings, where policyholders are forced to find the shortfall to reinstate the property.

“These delays in getting back up and running, or in severe cases back open at all, can leave a big hole in the local community. Therefore, it is imperative that a buildings valuation is regularly updated and contents and other items are frequently inventoried.

“We understand the immense value community halls hold and want to ensure they are protected. Without adequate coverage, these community spaces and the clubs and local businesses they support can face significant financial strain or even closure.

“Working with a specialist insurer will ensure that the essence of what makes these community spaces thrive is preserved. They will understand the unique challenges community-driven initiatives face and provide tailored coverage to address those needs, ensuring peace of mind for community organisers and members.”

[1]https://www.gov.scot/publications/land-reform-review-group-final-report-land-scotland-common-good/pages/42/

Holidaymakers warned to protect their caravan from thieves this summer

Brits are being warned failure to properly protect their caravans against theft or damage this summer could have huge financial consequences. 

Motoring experts at Quotezone.co.uk warn thousands of holidaymakers could be seriously out of pocket if an uninsured caravan is stolen or damaged while parked.

With many motorists set to take to the roads with touring caravans in tow this summer, experts are warning of the consequences for having incorrect caravan insurance.

Many car insurance policies will provide holidaymakers with basic third-party liability cover for towing a touring caravan. 

However, with 4,000 caravans stolen each year, specific insurance to cover the costs of theft is the best way to ensure Britons aren’t left out of pocket.*

Car insurance will not cover a caravan while it is parked or if it sustains damage. This is why experts encourage Britons to take out dedicated caravan insurance. 

Caravan insurance protects those who are victim to theft of personal belongings or fire damage to their caravan. 

Leaving a caravan vulnerable to tampering, accidental damage or theft could also leave holidaymakers paying hefty sums to fix or repurchase their caravan. 

Brits are encouraged to make sure they are keeping their caravan as secure as possible, with over 17% of those surveyed choosing to park their caravan in a communal caravan park. 

Before setting off with a caravan in tow this summer, holidaymakers must alert their insurer to let them know of plans and make sure the vehicle is fully covered. 

Insurance providers may wish to adjust premiums of those towing caravans. Failure to update providers may lead to refusal to pay out on any claims made. 

It is also important for motorists to review their breakdown cover, as some policies will only cover car breakdowns. This could leave motorists having to leave their caravan behind in the case of a car emergency. 

Greg Wilson, Founder and CEO of Quotezone.co.uk said: “With caravan thefts on the rise and so many due to travel this summer, it has never been a more important time to make sure you are fully insured against any accidents or emergencies. 

“Although sorting insurance isn’t the most exciting summer prep. It could help you from forking out on repairs or covering recovery for your touring caravan in the case of a breakdown on the way to your holiday destination. 

“Many car insurance policies will provide holidaymakers with basic third-party liability cover for towing a touring caravan, but this doesn’t cover everything. 

“We encourage anyone towing a caravan to take out specific insurance for their home away from home. This way, you can get off on your holiday with no worries over cover for your vehicle or caravan.

“But, we also wanted to provide some safety tips to ensure your caravan is as protected as possible this summer. 

Here are Quotezone’s top tips to keep caravans safe from theft or damage: 

  1. Secure storage

Many Brits are able to park their caravans at their private residence on a driveway with a barrier, but those without this option must choose carefully before securing their touring caravan for extended periods of time. If parking at a communal caravan park, make sure to remove all valuables or keep them out of sight for anyone who may be able to peer in through the windows. Make sure to also choose a reputable park with good access control.

  1. Wheel locks

There are wheel locks designed for caravans to make it impossible for anyone to remove without your say-so. Make sure to buy one for caravans specifically in order to get the most effective outcome. 

  1. Install a caravan alarm 

There are lots of caravan alarms on the market for those looking to take extra measures to keep their holiday home secure. A great deterrent for thieves is to make it clear you have an alarm installed by putting stickers in your windows. If parked in a caravan park, the loud noise caused by the alarm will not only deter thieves from your caravan but will also let other owners know there are potential thieves in the park grounds. 

  1. Storing at home

If storing your caravan at home, try to make sure you can park it to the side or back of your house if possible. Those who aren’t able to do this should park their car behind their caravan on a driveway or use a cover to disguise the van’s worth and attractiveness for potential thefts. 

Cats Protection warns of animal welfare crisis as people cut down on vet visits and insurance

Cat owners are cutting back on pet essentials such as vet care, vaccinations, and insurance as a result of the cost of living crisis, according to new research from Cats Protection. 

The leading feline welfare charity is seeing a rise in people giving up their cats for financial reasons and is warning there could be an animal welfare crisis as a direct result of the cost of living.

Cats Protection has launched an online hub to support owners in need with a raft of information including how to look after your cat on a budget and how to access help with costs.

One in three* cat owners surveyed said they feel “greatly impacted” by the cost of living crisis, while nearly one in five (18%) said they were spending less on vet services, including missing essential vaccinations or not microchipping their pet.

Meanwhile, nearly one in three (31%) of cat owners said they are concerned about how they would pay emergency vet bills if their cat became sick or injured, with nearly one in five (18%) concerned about paying for routine vet treatment. The charity says this represents tens of thousands of cats whose welfare could now be at risk. 

A quarter of cat owners (25%) said they are spending less on pet insurance because of the cost of living and 17% are concerned about paying for insurance in the future. 

Alison Richards, Head of Clinical Services at Cats Protection said: “We know the cost of living is having a huge impact on people across the country, with many cat owners making difficult choices to make ends meet. Cutting back on insurance or vet treatment can ultimately lead to higher costs if a cat becomes injured, gravely unwell, or even pregnant.

“We’ve launched a new information hub with lots of tips and ideas for looking after your cat on a budget, with everything from how to make free cat toys to how to access help with costs such as neutering. We want to provide access to information and resources that can help every owner look after their cat.” 

Cat owners also reported cutting back on spending, with more than half spending less on eating out or takeaways, days out, clothes, drinking and holidays. The survey also showed that 60% of owners feel their cat is a source of comfort to them during a difficult time.

Adoption centres are also seeing a rise in people giving up their cats for financial reasons. 

Nicola Murray, deputy manager at Cats Protection’s Harrow Homing Centre, said: “The cost of living is having a greater impact on animal welfare than Covid. We’ve got desperate people turning up on our doorstep every week and our waiting lists for people wishing to give their cat up are several weeks long.

“People need more information and support for managing their cats during this time as no one should have to give up a much loved pet during a time of crisis.”

*Survey of 3,011 cat owners in the UK, conducted by Basis on behalf of Cats Protection. Fieldwork completed in December 2022. 

Don’t let callous car thieves steal Christmas

Motorists have been warned not to leave Christmas presents on display in parked vehicles after almost a third admitted to being a victim of car crime.   

Experts at  Quotezone.co.uk have revealed that more than one in ten Brits leave their precious presents in the car during the festive season, presenting an ideal opportunity for heartless thieves to ruin Christmas.    

New data from Quotezone.co.uk reveals that 11% of us admit to leaving gifts we have purchased for loved ones in our cars while we continue our Christmas shopping or enjoy a night out.  

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 The car insurance comparison experts also asked 1,000 drivers if they had experienced a vehicle break-in, with almost one third, 31%, confirming they had.   

Now they are warning car owners to be more careful this year and ensure presents are kept in the safety of the home, or at least well hidden from view in vehicles. 

Better still, take presents straight home from the shops and get them wrapped and placed under the tree.    

Greg Wilson, Founder of Quotezone.co.uk said: “It must be a terrible feeling to have carefully chosen or sentimental Christmas presents stolen from a car just before the big day.    

“Our data shows that almost one third of drivers have experienced a car break in, yet 11% of us still leave presents in a parked car.  Christmas is a time of goodwill but sadly for some thieves it’s a time of opportunity.   

“It’s also an incredibly busy time of year, drivers need to remember to be careful and always keep presents hidden out of sight under the boot cover or in the glove box, ideally parked next to a streetlight on a busy street.  If the car is left unlocked or the stolen items are in full view, it may invalidate an insurance claim.    

“Fully comprehensive car insurance usually includes cover for some possessions damaged or stolen from a car but there’s usually a cap on this amount.  If drivers know they’ll be travelling to see family this Christmas and have a large sack of expensive gifts in the car, it would be worth informing their insurer to double check they’re covered and potentially increase the price cap temporarily.  Also don’t forget to keep all receipts, they may be needed if they have to make a claim.”    

To further prevent car break ins, drivers should park in a well-lit, populated area, ensure that all windows are rolled up, and consider installing a steering-wheel lock, car tracker and immobiliser – if the car doesn’t have one as standard.    

Car security is really important any time of the year, but especially during the festive period with expensive and sentimental presents in danger of being stolen and ruining Christmas.   

If cars are broken into, drivers should take photos, identify the damage and inform the police – obtaining a crime reference number, also inform the car insurance company as soon as possible.   

Quotezone.co.uk helps around 3 million users every year find savings on everyday household bills and essentials, such as fully comprehensive car insurance

‘Thunder fever’ could cost motorists up to £5000

The unusual weather this summer is causing issues for drivers that could result in fines or penalty points – adding to the mounting cost of living expenses.

This week alone has seen warnings from medical experts about ‘thunder fever’ – a rare weather phenomenon that makes hay fever (and asthma) much worse with a combination of thunderstorms and elevated pollen counts across the country. It happens when moisture and lightning brought by the storm, shatter pollen normally too large to enter the lungs into tiny pieces.

Whilst drivers need to be careful that sneezing, a runny nose and watery eyes brought on by hay fever doesn’t impair their driving ability, there is a serious risk for those suffering with the pollen.  The government legislation that bans driving while under the influence does not distinguish between illicit drugs, prescription medication and over-the-counter medications. 

This means any type of drug that affects a motorist’s driving abilities could potentially result in a drug-driving conviction, even if it’s something as simple as hay fever medication that causes drowsiness. One in four people in the UK has hay fever, which equates to approximately 16 million people.

Other  distractions that could be classed as careless driving include  ‘rubber necking’ at the storm itself or failure to see through the windscreen properly, if caught in heavy rain.

Quotezone.co.uk, a leading car insurance comparison website, says if drivers find themselves stuck in the car during a thunderstorm, official advice from the Met Office is to wind up the window and stay inside the vehicle – the metal frame of the car should act as a conductive Faraday cage, passing the current around the passengers and into the ground, should it be struck by lightning.

However, any damage to cars caused by driving through flash floods that accompany thunder storms might not be covered by insurance policies. Quotezone.co.uk warns motorists to carefully check their policy exclusions, and even if routes are partially blocked, drivers should think twice before using waterlogged roads.

Greg Wilson, Founder of Quotezone.co.uk, comments: “The weather has been extreme this summer and driving in the heat alone has been challenging but there are things drivers need to know to avoid risking penalty points or fines and keep themselves safe on the roads.

“If a storm is predicted look at official flood warnings, avoid roads that are likely to flood and allow more travel time, note drivers may have to pull over and wait it out if the downpour starts to affect your visibility – drivers can be fined if they can’t see clearly out of all windows.

“Hay fever symptoms can come on unexpectedly and some types of medication do cause drowsiness, or carry a ‘do not operate heavy machinery’ warning. If a driver fails to obey this warning and gets behind the wheel, they could risk a hefty fine of up to £5,000, points on their licence and endanger themselves and other road users.”

It’s always sensible to check the weather before setting off on long journeys and err on the side of caution, Met Office pollen count forecasts available here.

Quotezone.co.uk compares prices across all types of car insurance, including  breakdown cover,  and niche products such as motor trade insurance – helping around 3 million users every year find better deals on their insurance, with over 400 insurance brands across 60 different products.

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Arson attacks cause millions of pounds worth of damage to churches

Churches are being urged to take steps to prevent arson after a church in Sheffield was seriously damaged in an attack.

Claims data from specialist insurer Ecclesiastical shows over 150 churches across the UK have suffered arson attacks over the past five years, causing millions of pounds worth of damage to historic buildings.

In the latest incident, Pitsmoor Christ Church was the victim of a fire on 4 July, which South Yorkshire Police are investigating as arson.

While the number of attacks dropped during the pandemic, Ecclesiastical is warning churches to take urgent action over the summer months when arson attacks more frequently occur.

Nationwide threat

The data revealed that almost every county in the country has seen churches targeted by arsonists, with London, Lancashire, Yorkshire, Essex and Kent the worst affected.

Unlike theft of metal where organised gangs tend to carry out raids over a large geographical area, arson is often as a result of the actions of an individual and with no clear trends. This makes proactive action to protect church buildings even more important

Communities devastated

Specialist insurer Ecclesiastical was formed over 135 years ago to protect Anglican churches and church buildings against the risk of fire. The Gloucester-based company’s risk management experts produce fire prevention advice, including arson prevention guidance, specifically designed to help protect churches.

While thankfully a rare occurrence, the impact of arson on churches and the wider community can be substantial as recent significant fires have shown.

In 2017 the Grade II listed Church of the Ascension in Lower Broughton, Greater Manchester was devastated by an arson attack leaving the community distraught.. The restoration project, led by Ecclesiastical, is due for completion later this year.

More recently, All Saints Church in Mackworth, Derbyshire was gutted by fire in December 2020. A teenager has since pleaded guilty to setting fire to the church and schools in the area and is awaiting sentencing. A lengthy restoration project is underway to restore the Grade I listed building and return it to the local community.

Churches urged to take steps

Following the latest fire, Ecclesiastical’s risk management team has urged churches to take additional steps to protect themselves.

Jo Whyman, risk management director at Ecclesiastical Insurance, said: “Our data shows that arson seems to be on the increase again and the impact of these attacks can be truly devastating.

 “It’s horrible to see churches damaged as a result of a fire – particularly at the hands of criminals. These buildings are part of the fabric of our society, at the heart of our communities, and have been for centuries. Senseless acts by individuals not only destroy bricks and mortar, but often priceless artefacts that have historical significance to our nation.”

Extinguishing the risks

To help manage the risk of an arson attack and help to protect the country’s cherished historic churches, Ecclesiastical’s risk experts have issued advice to churches.

These include:

  • Keep your church secure: At night lock your church doors, windows, and any external gates. Installing security lights and keeping the exterior well lit will deter intruders. Also, consider installing fire alarms, intruder alarms and CCTV that provides continual monitoring to an alarm-receiving centre.
  • Report suspicious activity and make your church look busy: Use the building as much as possible for church and community activities.
  • Practice good housekeeping: Keep internal doors shut and locked when not in use, this can slow the spread of fire through a building and prevents access to obscure areas. Safely store items that could start fires inside the church, for example portable heaters and matches, and move bins away from the outside of the building. Take particular care when building or maintenance projects are being undertaken, ensuring building materials and waste are stored safely, securely and well away from the building.
  • Carry out regular external inspections of your church buildings and grounds: Make regular checks to the building and report damage to the police and your insurers as soon as possible. Cut back vegetation on a regular basis.
  • Repair damage to the church immediately: A damaged building is at risk of further attacks, including arson. Ensure any damage is repaired and graffiti removed quickly.
  • Check your fire extinguishers: Check you have enough fire extinguishers including some that are water (hydro-spray) or carbon dioxide types.
  • Be prepared for fire: Keep up-to-date fire risk assessments for your premises. Consider ways in which deliberate fires could be started and how you can prevent or reduce the risk.

Mr Whyman continued: “Churches are legally required to carry out a fire risk assessment and in doing so they’ll be able to understand the risk of fire – including the risk of an arson attack.

“It is really important that steps are taken to prevent fires and by following our guidance you can help to reduce the risk of arson at your property. The good news is, many of the recommended safeguards don’t require capital investment but simple precautionary steps which could make all the difference.

“Our Risk Management team are on hand to assist our customers and bespoke guidance and support is available through our Risk Advice Line as well as general guidance available on our website.”

A full list of Ecclesiastical’s arson prevention advice can be found at the company’s website, www.ecclesiastical.com.

Still smiling: Legal & General pays a record £797m in UK claims

Legal & General paid out a record 46 personal protection claims every day in the UK during 2021, totalling £797.9 million – an increase of £33.9 million from 2020 – and benefitting 16,890 customers and their families.

As the UK’s number one individual Life Insurance provider Legal & General has paid out more than £3.5 billion in claims over the past five years across its Life, Critical Illness Cover (CIC), Terminal Illness Cover (TIC) and Income Protection (IP).

Overall, the provider paid 97% of individual protection claims with an average pay out of £47,243.

Of the small percentage not paid, almost nine in 10 were because of ‘deliberate or reckless misrepresentation’. Over 30% of misrepresentations were due to lifestyle factors that should clearly have been in the customers knowledge, with the majority of these being linked to alcohol. 

Legal & General continues to work closely with its partners and distributors to help minimise misrepresentation and do more to explain how insurance claims work so it can support even more customers in 2022.

The wider impact of Covid-19

As in 2020, the pandemic impacted the 2021 claims data; with almost one in seven life claims Covid-19 related. Legal & General paid out 1,579 Covid-19 life claims at an average of £46,769 per claim, making up a combined total of almost £74 million – over £34.6 million more than last year.

The difference in claims for men versus women when it came to Covid-19 related deaths is stark. Only 35% of Life Insurance claims came from women, compared with 65% from men. Legal & General’s figures continue to reflect those from the Office for National Statistics that show men are more likely to pass away from Covid-19 than women2. In contrast, 60% of Legal & General’s overall Life Insurance claims are for men, again indicating an increase when looking at Covid-19 claims specifically.

Income protection continues to play an important role

Legal & General paid 417 IP claims in 2021, at a monthly average of £1,067 per claim, totalling over £3 million. The main cause of IP claims was musculoskeletal disorders (37%), followed by cancer (12.5%) and coronavirus (9.8%).

All IP products include Legal & General’s Rehabilitation Support Service. It gives customers access to an in-house team of healthcare professionals who offer wide-ranging physical and mental health support at no extra cost.

Project Smile

This year saw the launch of Project Smile, an initiative to support children going through a difficult diagnosis.

For every claim relating to a child’s illness paid, the provider sends a gift to the child to help bring a smile to their face. Gifts are chosen according to the preferences of the child and can include anything from a voucher to a Peppa Pig toy.

David Banks, Director of Claims and Underwriting said: “Paying claims is core to what we do. As we continue to come back from Covid-19, we remain focused on giving our customers and their loved ones financial support when they need it most. But more has to be done to tackle misrepresentation.

“At Legal & General we’re working closely with partners and distributors to help make the underwriting process as transparent and streamlined as possible. We hope that increasing knowledge around the lifestyle and general health information required will minimise misrepresentation and help us support even more customers in their moment of need.

“We’re proud to have paid out more than £797million in claims last year, but it’s the personal impact behind the figures that’s most important. We know an injury or illness affects the whole family, none more so than when it happens to a child. That’s why we have launched Project Smile.

“Our assessors get to know the families throughout the course of a claim – we wanted to go beyond just dealing with the paperwork and show that we are thinking of them through what is likely to be the most challenging time of their lives.”