Safeguard Against Cyber Attacks

The press is full of news of Russian ‘cyber warfare’ and no matter how effective your IT systems and security are, user error is a key reason why networks are breached.

Fake emails can be very convincing so it’s important to be particularly vigilant. Here are some guidelines:

If you’re not expecting it, don’t click on any links or attachments in emails – even if they appear to have come from a friend or colleague. Likewise, if the content seems unusual in any way, don’t trust it.


Still Keep Your Keys Under The Flowerpot?

In an attempt to keep our homes safe we fit security lights and close blinds before going out – so why do we still undo all that hard work by leaving a set of spare keys outside?

Whether it’s for their dogwalker, cleaner or mum, nearly 30% of Brits still regularly leave a key hidden outside their home.

Thieves, who would rather not attract attention by smashing a window if they don’t have to, wised up to our hiding places long ago – the Association of British Insurers (ABI) says robbers look under doormats, flowerpots and loose bricks first.

And with burglaries on the rise, it’s not worth chancing it. 55,824 robberies were reported in England and Wales in 2016, up 10% from the year before, according to the Office for National Statistics (ONS).

What’s more, leaving your key under the doormat or in another unsecure location may invalidate your home insurance, leaving you without a payout from your insurer to replace lost items. (more…)

Black Friday: Explained!

Imported into the UK from our American cousins, Black Friday is a bargain-filled shopping bonanza which kicks off the annual pre-Christmas retail frenzy. For retailers it can be both a blessing and a curse, offering the chance to boost profits – but at what cost?

What is Black Friday?
Annual retail holiday Black Friday falls the day after Thanksgiving in the US. In recent years it has become the biggest shopping day of the year in the UK too.

How did it start? And when did it come to Britain?
Though nobody really knows for sure how it got its name, retail folklore suggests it comes from the day marking when retailers go from being ‘in the red’ to ‘in the black’. Coined in the 1960s to kick off the Christmas shopping trading period, the day has recently been adopted by UK retailers after Amazon UK started offering deals in 2010 and Asda, which is owned by American giant Walmart, held its first Black Friday sale in 2013. (more…)

10 Christmas Jobs Which Take Longer Than Checking Your Insurance

There is something about Christmas that makes most of us want to cram in as many tasks as humanly possible, so that we can guarantee ourselves and those around us a memorable Christmas.

But such is life and all its unpredictability that your Christmas can become memorable for the wrong reasons; a broken boiler, stolen presents, storm damage and anything else the season of good will might throw at you.

This is why it’s important to make sure that your insurance is still as relevant in the winter season as it was when you first arranged it, especially in the lead up to Christmas when your home contents value is likely to go up as fast as you buy presents. (more…)

Insuring Your Christmas

Leaving empty boxes for expensive presents out in the street and having fairy lights on all hours are two risks which you’re unlikely to come across any other time of the year.

So before you set about splashing the cash and raising a glass to good health, check to see whether your insurance is enough to cover your financial wellbeing this Christmas.

House fires
House fires are a big risk in December, so make sure that your sums insured is up to date. Buildings insurance should cover the cost of rebuilding your home entirely, including planning and architecture costs.

Double check that this figure is current and not based on your home’s market value. If it’s not enough, you might get far less in the event of a claim, even if just one room is affected by fire damage, as your property will be underinsured as a whole. (more…)

GDPR as a Positive Opportunity: The Easy Path to Compliance

On 25 May 2018, the General Data Protection Regulation (GDPR) comes into effect in the EU and across the United Kingdom. The GDPR replaces the Data Protection Act (DPA) and ushers in expanded rights to individuals and their data, and places greater obligations on businesses and other entities that process personal data.

Even though GDPR compliance may seem like a daunting task, instead think of it as a positive opportunity. In fact, experts have argued that the GDPR is—in fact—a marketing opportunity. While competitors fret over how to comply, be proactive by cleaning your prospecting list, which will allow for targeted marketing that builds trust. (more…)

How the Great British Bake Off Threatens Kitchens

Although the Great British Bake Off recently wrapped up its eighth series, it’s still inspiring people to try their hands at delicious baked goods. However, along with the influx of people in the kitchen has come a swift increase in the number of fires. In fact, there has been a 114 per cent increase in claims for cooking-related fires while the Great British Bake Off airs, according to industry research. (more…)

Winter-proof Your Home to Keep Cosy

Winter will be here soon, and with it comes the threat of severe weather that can wreak havoc on your home. High winds can loosen roof tiles, colder temperatures can freeze water pipes and heavy rainfall can result in flood damage. As the Met Office has already predicted record-breaking rainfall this winter, now is the time to winter-proof your house. (more…)