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The Rising Cost of Cyber

The Rising Cost of Cyber

12 August 2022

Only 43% of UK businesses have an insurance policy in place that protects them against cyber risks – shockingly only a tiny fraction (5%) of these have specific cyber policies catered to their needs.


The modern risks businesses need to protect against now, such as cyber, wouldn’t even have been considered by most businesses 20 years ago, yet over the last few years the products available have become quite sophisticated and more of our clients now consider this a vital part of their insurance programme. Cyber packages now can include threat warning intelligence, forensics, post-breach communications and data recovery.

The lockdown in March 2020 in response to the Covid-19 pandemic challenged businesses with the need for their office staff to work from home, but it also brought new opportunities for cyber criminals.  The Cyber Security Breaches Survey is an influential research study for UK cyber resilience, their report details 39% of businesses suffering a cyber attack in 2021. More than half or those believed their exposure was heightened due to home working arrangements.

Ransomware and phishing attacks also increased during the pandemic with cyber criminals using this as a hook, and attacks are still on the rise. Ransomware was ranked as the top cyber exposure of concern in 2022 in the Allianz Risk Barometer. And just when we thought we were through the pandemic, Russia’s attack on Ukraine brought additional cyber concerns.

Cyber incidents can have a devastating impact on businesses, and few have the in-house resources to deal with an attack or breach. The disruption to day-to-day operations can be catastrophic, when combined with financial loss, reputational damage and fines some businesses may not even survive an attack.

But the insurance market is responding with more sophisticated offerings not only to protect businesses, but to deploy the resources required to get them back to business as usual too. As the cyber landscape continually evolves, so does the insurance offering. However, cyber insurers are seeing more claims as the number of incidents rise, along with the take-up of cyber insurance and this is having an impact on both premiums and availability. The recent surge in ransomware claims has driven up cyber insurance pricing by up to 92%.

Insurers are now more cautious about the risks they take – if your cyber security is poor and you are at a greater risk of attack, you may find it financially prohibitive to obtain cyber cover, or you may not find an insurer willing to take your risk. Insurers need to be assured that you are taking appropriate steps to protect yourself against cyber threats with Virtual Private Network (VPN) and multi-factor authentication (MFA) now a standard requirement.

To chat about how Cyber Insurance can help your business, contact Charlotte Perkins at [email protected], 0115 942 0111 or connect with Charlotte on LinkedIn

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Insuring the Intangible

Insuring the Intangible

4 August 2022

 

For over 100 years we have insured material assets such as cargo and property but as the world changes, so do the risks and insurance has evolved as much as the world we live in.

When Harold Wilson insured chemist Jesse Boot’s first Rolls Royce, car insurance was pretty cutting edge – little did he know we’d still be at the forefront of emerging risks a century later.

We work with many corporate clients and even social influencers where their brand, intellectual property and data is far more valuable to them than tangible assets. No longer do companies measure their value purely in tangible assets, such as property, equipment and stock.

For some businesses the value of their intangible assets such as brand, reputation, intellectual property and data has overtaken the value of their physical assets. Certain reports show intangible assets accounting for 90% of portfolios amongst Standard & Poor’s 500 companies, compared to just 17% in 1975.

The digital revolution is a major factor in this shift, especially over the last two years as so many businesses moved their operations online during the pandemic. This may well have been part of their future plans, but the necessity of lockdown accelerated this move. Not only were these businesses able to respond to the needs of their UK customers during lockdown and expand their existing customer base, but it provided the opportunity to expand their businesses internationally.

However, moving a business online and the necessity of home working not only brought opportunity, but increased threat due to network vulnerabilities and the rise in cyber attacks, ransomware and phishing attempts. Many businesses that moved swiftly to take their businesses online simply didn’t have the technical skills or time to access the specialist support required to minimise their vulnerabilities or have the specific cyber cover to respond should they suffer a breach. These risks included the threat to their intangible assets such as reputation and brand.

Some businesses that have historically operated on a traditional business model may not even consider the value of their intangible assets such as brand, intellectual property and data – and in that case they certainly won’t have estimated the cost of replacing or redeveloping these assets.

Even for businesses that acknowledge these intangible assets, establishing their actual value can be a challenge too. If a business has bought an asset it’s simple, but something that’s been built and developed by your business over time is very different – and that value will change over time too.

As a broker we have experience of helping businesses review their insurance programme to ensure they have in place the insurance solutions that work for their unique business, which may have changes significantly over the last few years. We not only guide them through the design of their insurance programme to identify their tangible risks, but the intangible too such as protection against associated legal costs, loss of brand equity and the theft of intellectual property. And then we explain it all to you in plain English, so you know exactly what’s covered.

If you haven’t arranged a review of your insurance programme, now is the time. Contact Charlotte Perkins at [email protected], 0115 942 0111 or connect with Charlotte on LinkedIn

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Global Risks – The Digital Pandemic

Allianz Risk Barometer, the annual corporate risk survey conducted among Allianz customers, brokers and industry trade organisations incorporates the views of 2,650 respondents from the UK and across the globe.


The Top 3 UK Concerns

The 2022 report highlighting the most important business risks for the next 12 months and beyond, established that Cyber was the new top concern for businesses in the UK and across the globe, with over 50% of UK respondents stating this as their most concerning risk.

Understandably, Covid-19 continues to cast its shadow particularly as the cyber risk is heightened by companies’ growing reliance on technology and the shift to remote and flexible working. This only increases the risks businesses face, in addition to the usual ransomware and other cyber-attacks that continue to disrupt businesses.

Business Interruption (BI) has dropped from the top spot to second place in the rankings this year, despite a year of unprecedented global supply chain disruption – only the third time in the 11-year history of the Allianz Risk Barometer that it is not ranked top. However, Despite the ongoing repercussions of Covid-19, the most feared cause of BI in this year’s survey is cyber!

Surprisingly Climate Change was the third ranking concern for respondents in the UK and received its highest ever ranking of 6th on the global rankings.

Cyber

The top cyber exposure of concern was Ransomware, just ahead of data breaches. Ransomware remains big business for cyber criminals, with the commercialisation of cyber crime making it easier for criminals to exploit vulnerabilities on a massive scale. Now those criminals with very little technical knowledge can carry out ransomware attacks for as little as a $40 per month subscription, using cryptocurrency to help evade detection.

Another change in the way these criminals operate is the use of ‘double extortion’ tactics, combining the initial encryption of data with a threat to release sensitive or personal data. Encryption or deletion of backups, making restoration and recovery more difficult or even impossible is another disturbing and growing trend. This is only overshadowed by the recent alarming incidents where attackers harass employees to gain access to systems, as well as going directly to company senior executives to demand ransoms.

Cyber claims increased significantly over the past few years and remain at elevated levels, both in terms of claim numbers and claim payments. Ransomware tops the claims list too, with the number of claims received in the first half of 2021 higher than the total number for the whole of 2019. Extortion demands have more than doubled and BI losses have escalated as larger businesses and their supply chains are targeted.

It is important to remember that the rise in claims will be impacted by the number of businesses that now have cyber insurance, which has also risen significantly as businesses acknowledge their increased vulnerability – remote working, disruption to digital supply chains and cloud platforms ranked third and fourth as cyber risks of concern.

For those businesses that have yet to include Cyber Insurance as part of their programme, the cyber risk landscape has changed and insurer focus has turned to effective cyber risk management. Each proposal form is now assessed with insurers looking for proactive technology controls such as endpoint protection and multi-factor authentication in addition to regular backups, training, business continuity and crisis response plans. Cyber Insurance is now seen as part of a holistic approach to building cyber security resilience, combining with technology, training, monitoring and response testing. If cyber insurance is to be sustainable, this is the way forward.

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Business Interruption

Business interruption ranks as the second most concerning risk, not just in the UK but globally, which comes as no surprise following a year of unprecedented global supply chain disruption following a pandemic and an increase in cyber-attacks.

Whether it’s a cyber-attack, a flood or fire affecting a critical business location or supplier, business interruption events can have a very costly and lengthy impact extending well beyond the organisation to suffer the incident and impact the entire supply chain. It may not be your organisation that’s directly impacted, but it may prevent you from being able to produce your products or deliver your services.

There are multiple triggers for BI and in recent years cyber and pandemic have risen to the fore – as mentioned previously the most feared cause of BI this year is cyber. However, it would be foolish to underestimate traditional causes of businesses interruption such as fire or flood. There’s little you can do to mitigate the risk of supply chain disruption, but like cyber you can manage some of the risk of traditional BI triggers and put in place prevention measures and resilience plans.

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Climate Change

It was surprising to see climate change leap up the rankings to third place for the UK, climbing to 6th in the global rankings. However, this has been a recurring news item over the last year or so and the increasing pressure on businesses to act on climate change has increased noticeably.

In the UK there is a growing focus on net-zero and the government landmark Net Zero Strategy launched in October 2021, at the time the Allianz Risk Barometer survey was conducted, which may have had an impact on the ranking as it was at the forefront of respondent’s minds. The Net Zero Strategy sets out the policies and proposals for decarbonising all sectors of the UK economy to meet our net zero target by 2050. The devolved administrations also committed to the Net Zero target as recommended by the Climate Change Committee.

The risks to businesses from climate change are also having an impact on Business Interruption, particularly in relation to damage and closures following extreme weather events. We have seen multiple ‘danger to life’ warnings issued for flooding in February across the Midlands, with devastation to businesses that had barely recovered from previous floods. This also has an impact on brand and reputation, alongside supply chain issues, that can have a long term impact even when the flooding has subsides and the business reopens.

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So, what can you do?

The Allianz Risk Barometer has highlighted the current issues keeping business owners awake at night, both in the UK and across the globe. But the old saying ‘only worry about things you can control’ springs to mind – you can’t stop cyber attacks, container ships blocking the Suez Canal or flooding, but you can manage the risk to your business and put in place the insurance cover to protect you should the worst happen.

Identify the biggest risks to your own business, determine what you can control and create a plan to implement any changes you need to make to improve your resilience. If it’s within your control, tackle it, if not then insure against it.

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Architects Registration Board – PI Consultation

Architects Registration Board – Consultation on draft guidance for Professional Indemnity Insurance

18 May 2022

For some time we have been highlighting the challenging Professional Indemnity market. This time last year the RICS changed the rules for surveyors, making it even more of a headache to secure the cover they required.

We are pleased to see the Architects Registration Board (ARB) is looking at how it can adjust its demands on architects’ indemnity insurance cover, publishing new draft guidance on the insurance requirements expected of architects to remain compliant with its code of conduct.

Acknowledging the challenges of the global PI market, the ARB said it had become ‘increasingly apparent’ that, for some architects, the ‘changes in the insurance market outside their control means that meeting the existing guidance may no longer be possible’.

Anyone within the sector will be all too aware that PI premiums have soared, in some cases the renewal premium costing three times that of the previous year. As if that wasn’t enough of a challenge, the numbers of policy exclusions imposed by insurers has skyrocketed too, particularly in respect of cladding, fire safety and even basements.

With no way to resolve or even influence the issues with the global PI market experienced by its own sector and indeed others, it acknowledged that it could bring in changes that were ‘proportionate and risk based’ to support architects through the hardened market. They stated ‘We can’t set requirements architects simply cannot achieve’.

The Architects Code of Conduct sets out the PI requirements for architects, underpinned by ARB guidance which explains how compliance can be achieved. The revisions the ARB propose went out to public consultation on 16 May, these include no longer making it a matter of misconduct if an architect cannot acquire retrospective insurance to cover historic liabilities due to new exclusions applied to their policy by their insurer.

Coverage for certain types of claims, including cladding and fire safety, could now be held on an aggregate basis (rather than an each and every claim basis) and limited to covering direct losses. However, the draft guidance adds that no architect should accept a minimum level of cover below £250,000 for each and every claim and reaffirms that architects should have adequate insurance before undertaking any new work.

ARB chair Alan Kershaw said: ‘PII provides crucial protection to architects, their clients, and the people who use their buildings. ARB has to balance the need for public protection with the availability of insurance. We can’t set requirements that, however well-intentioned, architects simply cannot achieve. He added: ‘The updates to our guidance on PII are intended to clarify how architects are expected to deal with professional indemnity insurance at this difficult time, while still protecting clients and future users of the buildings they design. We now want to hear from architects, insurers and the groups that represent consumer interests.’

The draft guidance was produced following research and engagement with the insurance market and professional bodies and is now in public consultation before it is finalised and comes into force later this year.

To read more about ARB’s proposals and take part in the consultation, use the following link:

https://arb.citizenspace.com/standards/pii-consultation/

We’re here to help

We welcome this proposal from the ARB that will certainly help us and our clients. The proposed changes make our role as broker even more important, as our knowledge and understanding enable us to fully support to our architect clients with their PI cover and associated costs.

If you need help, just get in touch with Charlotte Perkins.

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Support for Ukraine – Insurance update

Support for Ukraine

17 March 2022

Like us, we know our clients want to help and support the people of Ukraine. The insurers we work with are doing the same, allowing flexibility within their policies to avoid unnecessary barriers that may stop or delay help reaching the innocent victims of this unfolding humanitarian crisis.

Every insurer and policy type are different so you will need to check with your broker or specific insurer to see how this may impact you – and ensure you’re still properly covered.

Home Insurance

Now the government has announced the ‘Homes for Ukraine’ scheme to welcome those fleeing the conflict to the UK; some of our private clients and property owners will be temporarily welcoming Ukrainian refugees into their homes as guests. Insurers want to support this generosity and in many cases they don’t need to be notified but you must check. Contact your broker or access the information available on the insurer website or their helplines.

Family – There has been much confusion over ‘family members’ in relation to Visa restrictions, but this term is also relevant to your policy. ‘Family’ is normally defined as those permanently living with the policyholder (and isn’t a lodger or paying guest). Many insurers are temporarily extending definition and will interpret Ukrainian refugees (either related or sponsored) as ‘Family members’ within the policy.

Sums Insured – Please ensure that the sum insured on your policy is adequate for the inclusion of your guests’ contents, including any individual high value items. They may only have been able to bring their most valuable and most precious items with them, so you certainly want to make sure they’re protected.

Other Property Types – Cover availability may change if it’s a second home, guest home or rental property so you MUST contact your broker or your insurer!

Private & Commercial Motor Insurance

Personal – If you are planning to use your private motor vehicle to transport goods around the UK to provide humanitarian aid, most insurers will support this. Many don’t need to be notified of this change in use, but some will, so please check your policy for any volunteering exclusions and give the insurer a call to clarify. The same is true if you are planning to deliver this humanitarian aid within Europe, even if this is within any standard ‘Free Circulation without Green Card’ cover you may have with your policy.

Commercial – Many insurers are extending their comprehensive insurance for businesses who wish to use their commercial vehicles for cross border journeys within the ‘Free Circulation without Green Card’ zone but you will need to check with your specific insurer.

Outside EEA – Whether it’s personal or commercial, please ensure you contact your insurer if you plan to drive outside of the European Economic Area to transport goods to provide humanitarian aid.

We’re here to help!

Please call or email us if there’s anything you are unsure about or if you need to adjust your policy. We are here to help you in your support of the people of Ukraine.

 

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Join our Financial Services Team!

Join the team – Financial Services Administrator

17 March 2022

 

We are expanding the team and are looking for a Financial Services Administrator to support our Advisers and Account Directors, working alongside our existing team.

You’ll be involved in meeting preparation, setting up client files, assist clients with enquiries, liaising with providers – and of course ensuring we comply with FCA regulations and the exemplary service standards our clients expect.

We are committed to delivering the highest quality of service to our clients, this is achieved by recruiting and developing amazing people.

If you are enthusiastic and hardworking, friendly and have great communication skills, you could be a fantastic fit for our FS team. In return we offer excellent training towards professional qualifications and a competitive benefits package.

If you think you’re the right person to join our team, we’d love to hear from you! Just email your CV to Annabel Jackson Prow, CEO of Wilsons, at [email protected]

PS We like the personal approach, so only get in touch if you want to join our team – no agencies please!

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Property Insurance – Index Linking

Property Insurance – Index Linking

8 March 2022

Some Insurers are currently index linking at 12.8% buildings and 9.5% contents. This shows no signs of slowing down, with other major Insurers predicting their rates may even top 20% later in the year.


So, what is Index Linking?

Index linking (or indexation) is the adjustment of an asset’s value to reflect inflation and deflation. In Commercial Property Insurance terms, it’s a percentage that is applied to the Declared Value of the property at each renewal so the insured value remains relevant. Index linking an insurance policy gives some protection against being underinsured.

Why are Insurers increasing their percentages so much?

This is due to a number of factors – a significant rise in demand for building materials, disruption to the supply chain caused by the pandemic and Brexit, in addition to workforce shortages affecting rebuilding and claims costs. Insurers use a number tracked indices of property value to determine their calculations, including data supplied by RICS, the ABI and ONS. Historically these indices have grown at a relatively low rate, but in 2021 the growth wass significant and sustained.

Rebuild Value -v- Sum Insured?

There is a difference between the ‘rebuild value’ and the ‘sum insured’ on your policy documents.

  • Rebuild Value – the total cost of rebuilding the property to its former state following a total loss
  • Sum Insured – includes a percentage increase on top of the rebuild value and is designed to cover inflation during the insurance year. The sum insured needs to be adequate to fully reinstate the buildings / contents / replace stock etc should there be a catastrophic loss – this should also include costs for removal of debris, professional fees etc.

Rebuild Cost Assessment

Rebuild value is not the same as market value. It’s therefore recommended that Rebuild Cost Assessments are undertaken every three to five years in order to ensure that the Rebuild Value of a property is adequate. However, with inflation so high it’s now more important than ever to have your buildings value declared correctly and to review this regularly.

The Building Cost Information Service (BCIS) of RICS produces a range of detailed guidance on the cost of rebuilding houses and flats for the ABI. Their site at abi.bcis.co.uk provides general guidance on the rebuild cost of houses and some types of flats. For commercial purposes, visit www.rics.org for a range of solutions.

What does this mean for my renewal?

Not all policies will be index linked and you MUST check your policy at each renewal to ensure the sums insured are correct.

If your policy is index linked, this will undoubtedly constitute an increase in premium as the value of a property insured is increased. Index-linking is applied in addition to any rate increases and so it would be wise to ensure that any budgeted amounts are taking both of these elements into account.

 

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Cyber threat heightened!

Cyber threat heightened!

3 March 2022

Following Russia’s unprovoked, premeditated attack on Ukraine, the National Cyber Security Centre (NCSC) advises UK organisations to act on improving their cyber resilience.

The NCSC – which is a part of GCHQ – has urged organisations to follow its guidance on steps to take when the cyber threat is heightened.

Although not currently citing any specific threats to UK, the guidance encourages organisations to follow actionable steps that reduce the risk of falling victim to an attack.

Read the guidance

This advice is particularly relevant as in the last few days many household names have reported incidents, including in our own sector.

Aon, the British-American provider of insurance and pension administration, has brought in external specialists to help probe a “cyber incident”. London-based Aon said in a statement to investors that it first spotted the issue on 25 February, identifying that it was “impacting a limited number of systems.” Following the initial statement Aon refused to comment further at this stage.

Aon have the resources to launch an investigation, engage the services of third-party advisors and incident response professionals, and instruct legal counsel – but how would your organisation cope in the aftermath of a cyber attack? Even if you have the connections to support you and get your business back on track quickly, it will undoubtedly be an expensive exercise.

Preventions is better than cure!

Working in partnership with specialist cyber companies such as Lincoln-based KryptoKloud, that provide Cyber Security Audits to understand a business’ weaknesses and address them, then cyber security intelligence and monitoring services to protect their clients from the ever-increasing digital threat is the ultimate solution.

Even if you’ve done everything within your power to ensure your systems are secure, the weakest link is usually your people. It just takes one tempting email click or an email from a trusted supplier that’s been compromised to wreck all that hard work and wreak havoc. That’s when your Cyber Insurance becomes invaluable.

Your insurer will coordinate the response, utilising the services of specialists like KryptoKloud and others to get your business back up and running, deal with any fall-out and help you rebuild your defences against future attacks.

Like Covid, cyber is part of our world and will remain an ever-present threat, so act now to stay cyber safe.

To chat about how Cyber Insurance can help your business, contact Charlotte Perkins at [email protected], 0115 942 0111 or connect with Charlotte on LinkedIn

 

 

 

 

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LinkedIn Cyber Threat

LinkedIn Cyber Threat

24 February 2022

Since the start of February 2022, cyber analysts have seen phishing email attacks impersonating LinkedIn grow by 232%.

This new wave of phishing attacks are aimed at jobseekers on LinkedIn and researchers said: “It is likely these phishing attacks aim to capitalise on jobseekers by flattering them into believing their profile is being viewed and their experience is relevant to household brands.” This may in part be triggered by the end of home working, as those who’ve become accustomed to a new work-life balance enjoyed through the pandemic may seek new roles that allow them to continue to work from home.

The phishing emails used subject lines to entice to job seekers hoping to get noticed, such as “Who’s searching for you online?” “You appeared in 6 searches this week” or even “You have a new message.” The emails themselves are very convincing as we’ve come to expect with sophisticated phishing scams, with built in HTML templates using the LinkedIn logo, colours, fonts and icons.

The cyber criminals also used the names of well-known and high-profile companies throughout the phishing emails, to make the correspondence seem more legitimate and enticing to their potential victims.

In addition, they employed display name spoofing, designed to hide the accounts used to launch the attacks. When the recipient clicks on the malicious links contained in the email, they are directed to a site to harvest their LinkedIn logins and passwords.

LinkedIn have responded to the latest phishing scam and said: “Our internal teams work to take action against those who attempt to harm LinkedIn members through phishing. We encourage members to report suspicious messages and help them learn more about what they can do to protect themselves, including turning on two-step verification.”

As wiith any email you receive, whether from LinkedIn or any other source, always be on alert and check before you click on any links – and definitely before you enter a user name and password! It may be more convenient to click on a link in an email you receive but it’s safer to close them email, access the website directly and log in there. If the message is genuine, it’ll be right there waiting for you!

Can Cyber Insurance help?

Prevention is always better than cure. But, as cyber attacks and data breaches increase in both frequency and sophistication, Cyber Insurance is more crucial than ever.

Having the right cover in place will support and protect your business in the event of a cyber attack or data breach. It not only provides comprehensive cover but will provide you with a trusted partner to support the business and get you working again.

Obtaining a quote for your business is a simple and straightforward, simply contact Charlotte.

Contact

Charlotte Perkins
[email protected]     0115 9420 111

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Storm Safety

Storm Safety

17 February 2022

The word ‘storm’ may sound very vague, but it can encapsulate many types of severe weather. They can damage property and even potentially harm lives, especially in areas under the rare ‘Red Weather Warning’ in force for certain parts of the UK due to the anticipated ferocity of Storm Eunice.


How to prepare for a storm

  • Sign up for severe weather warnings at metoffice.gov.uk or keep up-to-date with the latest weather news using local TV or radio stations
  • Arrange for any bushes or trees that could damage windows in high winds to be trimmed back
  • Ensure the property is properly maintained throughout the year. Particular attention should be paid to areas most likely to bear the brunt of any storm such as the roof
  • Secure loose objects in the garden or grounds – such as ladders, furniture, benches or anything else that could be blown into windows and other glazing
  • Close and securely fasten doors and windows, particularly those on the windward side of the building and especially large doors such as those on garages
  • Park vehicles in a garage, if available; otherwise keep them clear of buildings, trees, walls and fences
  • Close and secure loft trapdoors with bolts, particularly if roof pitch is less than 30°
  • If your building is fitted with storm shutters over the windows then ensure that these are closed and fastened

What to do during a storm

  • If you have to go into a building during a storm, enter and leave through doors in the sheltered side, closing them behind you
  • Stay indoors as much as possible
  • If you do go out, try not to walk or shelter close to buildings and trees
  • Keep away from the sheltered side of boundary walls and fences — if these structures fail, they will collapse on this side
  • Do not go outside or into a building to repair damage while the storm is in progress
  • Open internal doors only as needed, and close them behind you
  • Do not drive unless your journey is really necessary
  • Take care when driving on exposed routes such as bridges, or high open roads, delay your journey or find alternative routes if possible
  • Slow down and be aware of side winds, particular care should be taken if you are towing or if you’re driving a high sided vehicle
  • Do not park cars near any seafront area as damage by waves and shingle blown from a beach can cause significant damage
  • Do not stand too near any seafront areas – the large waves are a danger

After the storm

  • Be careful not to touch any electrical/telephone cables that have been blown down or are still hanging
  • Do not walk too close to walls, buildings and trees as they could have been weakened
  • Contact reputable contractors to make safe items such as fallen trees and walls
  • Do not try to move objects that have fallen or blown down, as they could dislodge other objects and cause further damage
  • Do not climb onto any roofs to inspect damage, be sure to call an expert