The cold winter weather can pose several risks to people, particularly vulnerable groups like those aged 65 and over or individuals with long-term health conditions. The NHS Mid and South Essex Health Hub provides valuable advice on staying warm and looking after yourself during the colder months.

Cold Weather Warning Advice

Vulnerable Groups: The elderly and individuals with chronic health conditions should take extra care in winter weather. Make sure to stay warm, monitor health, and seek assistance if needed.


Motorists: Drivers should be cautious of “frosting thefts,” where thieves may target vehicles left running to defrost. Be aware that most insurance policies do not cover such thefts if the vehicle is left unattended. Always ensure your insurance policy includes proper coverage for such scenarios.

 

Protection: In extreme conditions, minimize travel if possible, but if driving is essential, ensure you're prepared with supplies such as a blanket, food, water, and a mobile phone. Always inform someone of your journey details and check your vehicle's condition, such as tire tread depth.

 

Homeowners: Prevent burst pipes by ensuring that vulnerable pipework is lagged or isolated. Burst pipes can lead to significant damage and are often preventable with proper maintenance. Homeowners should also keep their insurance policies up to date.


Travel Insurance: In case of bad weather, ensure your travel insurance covers delays, cancellations, or issues caused by your home's condition, such as a burst pipe. This can help prevent major disruptions to your plans.


Businesses: Prepare a business continuity plan to ensure your operations remain uninterrupted despite bad weather. Without one, you risk losing customers to competitors if you are unable to open due to weather disruptions.


Insurance Coverage: Finally, verify the total values insured for your property and belongings to ensure you're adequately covered. Discuss your needs with your broker to avoid potential shortfalls in claims.

By staying proactive and prepared, individuals and businesses can minimize the risks posed by cold weather and ensure better protection throughout the winter season.


If you would like a competitive quote for your Professional Indemnity Insurance, then at LBH Insurance we have access to an extensive market for PI and all other associated Business Insurances.

For guidance and a complimentary, no-obligation quote, please call one of our specialist team on 01702 347889 or email enquiries@lbhinsurance.co.uk.