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Author: admin, 24.11.2014
If you've received an email invoice from someone you know asking for the money you owe them, why would you think it was a scam? It's thought someone hacked into the stove fitter's email account, logged on as him then messaged his customers asking them to make payments into another bank account. Bogus tradesman, salespeople or charity collectors knock on your door uninvited trying to sell you their goods or services. Often designed to look like they come from companies you know or people you trust, scam emails aim to panic you or trick you into sending money or disclosing personal information including bank details and passwords.
Some text messages that are worded as if they come from a friend will aim to get you to call or text back and incur premium rate charges.
Callers claiming to be from the police, banks or other trusted organisations can aim to panic you into transferring money into their accounts, sending them your bank cards or giving away PINs or passwords.
Malicious software that has been secretly installed on your computer or device like smart phone or tablet can steal your personal information.
Tip: Always use reputable internet security software on your computers and keep it up to date with your firewall switched on. There are loads of examples of postal fraud, but the most common include mail which says you've won a lottery, prize or competition, mentions an "exclusive" or "secret" deal to make you rich, a job with fantastic earnings for little work, claims you've inherited money or comes from a clairvoyant promising to stop bad luck. Employees and Directors have stolen and committed fraud against their employers since business began.
Often the usual financial pressures of life lead to such actions such as debt, divorce, impending retirement or redundancy or simply management resentment, although too often it's a result of addiction to drink, drugs or gambling.
Unfortunately, the truth is that it may be the most trusted and senior staff who have the knowledge to skirt round security and set up insidious, well-concealed fraud systems.
It's often a pattern repeated over years; sometimes on their own, sometimes in collusion with outsiders such as suppliers. If you wish to discuss this cover in more depth, or are interesting in obtaining a quotation, please do not hesitate to contact our office. AXA Insurance has exposed three fraudsters who staged road traffic accidents or exaggerated the severity of genuine accidents after proving that their evidence was fundamentally dishonest.
The three cases, which would have cost AXA ?60,000 had they not been challenged, are the latest examples of the judiciary's increasing appetite to accept evidence of fundamental dishonesty when faced with fraudulent insurance claims.
In Anamaria Coscotin & Others v AXA Insurance UK, a road traffic accident was suspected by AXA to have been staged but the submission of CCTV footage which showed the accident unfolding as alleged by the claimant made proving the suspicion difficult. However, upon further investigation, the CCTV footage also showed both vehicles involved in the incident attempting to stage the accident, without success, five minutes before the 'successful' one. The Judge repeatedly ordered the claimant to attend court for the costs order but she failed to do so and upon reviewing the CCTV footage, the Judge found the claimant to be fundamentally dishonest and awarded costs to AXA. In the second case involving a staged accident, Mohammed Shafiq v Mushtaq Ahmed & AXA Insurance UK, AXA obtained a joint forensic report of the alleged vehicle damage, the conclusion of which led to both experts agreeing that the damage presented by the claimant was inconsistent. Despite the claimant lawyers asserting that their client was a credible witness and that they had no reason to disbelieve their version of events regarding the collision, the claimant, at trial, changed his version of events several times. The Judge concluded that the collision had occurred but that it had involved only a very light touch. The final case, Artur Skuza & Anthony Harris v AXA Insurance UK which was heard at Birkenhead Court, concerned a whiplash claim made against an HGV driver insured by AXA. The claimant argued that when his vehicle was hit, he felt a heavy, sudden impact, was thrown forwards, hitting his head on the steering wheel. By recreating the incident, AXA was able to show that the impact was indeed low speed and at such speeds, the contact would have caused the claimant's trailer to do no more than rock gently on its suspension. In dismissing the claim, the Judge found that claimant's evidence was “wholly unsatisfactory … contradictory, exaggerated and embellished”. Tom Wilson, Counter Fraud Manager at AXA Insurance, said: “Although the financial and time investment made to tackle these relatively minor claims may appear to be disproportionate, AXA is committed to using all avenues open to it to tackle fraud. Rowlands & Hames would like to thank Axa for this article and their continued fight against fraud. Brits will invest ?700 million in smart technology security devices to protect their homes from burglars, according to a recent survey conducted by Allianz Insurance. The study looked at the rise of smart technology – and the increasing reliance on it – as the nation strives to protect their increasingly empty homes. As we work and commute for longer, our homes are now empty for such a huge portion of the week and we know that the majority of burglaries take place when we're out.
Safety conscious Brits are willing to invest huge sums on smart tech devices, from remote CCTV and movement sensors, worth ?112 on average, to text alerts to notify them when someone enters the home costing ?90 and remote control gates amounting to ?107 per household. Londoners are already the most tech-savvy homeowners, having spent ?112 on remote movement sensors connected to their phones, ?105 on text alerts to notify them when someone enters the home and ?107 on remote control locks – well over the national average3.
Homeowners are more concerned with protecting their families than material possessions; one in five invest in home security to safeguard their loved ones, compared to six per cent prioritising their possessions. If you are concerned that your security is not adequate, please do not hesitate to contact our office to obtain our thoughts and recommendations. There's a whole host of driving laws around the world that will surprise you and some that you really need to keep in mind. If you find yourself driving in Cyprus make sure you're well fed and hydrated before you set off.
The autobahn in Germany, the equivalent of our motorway, has lengthy sections with a 130 km-per-hour speed recommendation. If you usually wear glasses or contact lenses to drive then make sure you have a spare pair with you in Spain. The Japanese believe that if you agree to get into a car with a drunk driver, you're just as bad. It's against the law to drive a dirty car in parts of Russia, just how dirty is too dirty is entirely up to the policeman on the scene. Just in case the heat was all getting a bit too much it's illegal to drive topless in Thailand. Be aware of changes in driving regulations when you're abroad so that you can relax and make the most of driving on your trip. The study shows that 87% say it's unacceptable to make a false whiplash claim, compared to 88% who say the same about drink-driving. The research explores Brits' attitudes to, and behaviours around, a variety of situations and their perceived consequences, in order to better understand why the compensation culture around whiplash is so prevalent in the UK. Although, when it comes to spurious insurance claims, the vast majority of people believe falsifying injuries is unacceptable – still 5% think it is fine and 8% are indifferent towards it. Rob Townend, Claims Director, Aviva UK General Insurance, said:“It's great to see that false whiplash claims are completely unacceptable for the vast majority of Brits, however there's no such thing as victimless crime and it just takes a few bad apples to spoil it for the rest of us. According to Aviva, whiplash costs motorists ?2.5bn a year and adds ?93 to the average motor insurance premium. Recently it successfully challenged a ?250,000 insurance claim by 46 passengers on a 'party bus', where each filed individual whiplash claims as a result of a low-speed incident causing only ?70 worth of damage to the vehicle. The study also shows that over a fifth (22%) of UK adults consider it acceptable to illegally download or stream TV, films and music, while one in ten condone train fare dodging (10%) and speeding in a 30 mph zone (11%).
And the research reveals the public wrestles with its conscience in certain circumstances: over two-thirds (69%) of respondents said they would let an independent shop owner know if they were undercharged, but less than half (44%) would do the same for a large supermarket chain. Similarly, one-fifth (19%) said they would be comfortable buying tickets from an unofficial tout, but less than one-in-ten (8%) would feel the same about purchasing stolen goods.
Rob Townend, continued:“Britain is generally a nation of considerate citizens who do the right thing. Aviva has devised an interactive online test so that the British public can reflect on how they would act if faced with different scenarios, and see how their attitudes compare to the rest of the country.
Fires are a major problem for landlords and home owners, with an average of 162 building fires in Britain every day and annual fire-related property insurance claims touching ?1bn. In 2014-15, there were 163 fatalities in accidental dwelling fires in England alone, accounting for 63% of all fatalities from fire that year.
Property owners, landlords and agents have a duty of care to provide adequate levels of fire safety for their residents and surrounding neighbours and buildings. NHS figures show that carbon monoxide poisoning is responsible for 40 deaths a year, and deaths from a fire in the home are at least four times more likely if there is no working smoke alarm. Under new rules for England, which came into effect in October 2015, it is the duty of landlords to install working smoke and carbon monoxide alarms in their properties – or face sanctions or fines of up to ?5,000. Landlords are now required to install smoke alarms on every floor of their properties, and test them at the start of every tenancy. It is not the landlord's responsibility to continue to check alarms are working – instead the tenants themselves should make regular checks. Landlords must also install carbon monoxide alarms in high-risk rooms – such as those where a solid fuel heating system is installed. The changes bring private rented properties in line with existing building regulations that already require newly-built homes to have hard-wired smoke alarms installed. Fire separation and internal fire compartmentation are key to limiting fire spread and maintaining a fire safe environment.
When it comes to prevention, it is essential that all building services, including both electrical and gas installations, are correctly installed and maintained. In order to ensure a fire safe environment when maintenance works are taking place, robust policies and procedures are essential in relation to managing contractors and hot works. More general precautions – such as the inclusion and regular maintenance of fire extinguishers, fire alarms and sprinkler systems, and safe storage of flammable liquids and waste control – should also be adhered to. On 1 February 2016, new sentencing guidelines came into force for health and safety, corporate manslaughter, food safety and hygiene offences. The new guidelines mark the most dramatic changes in health and safety enforcement since 1974, altering both the courts' approach to sentencing and the penalties they will be asked to apply. Importantly, the guidelines instruct the courts to choose a penalty that will have real economic impact, and bring home to management and shareholders the need to comply with health and safety legislation. Before If sentenced on 22 December 2015, prior to the new sentencing guidelines, the company may have been fined ?900,000 (41% of its 2014 profit). The first step under the new guidelines is for the courts to determine the level of culpability, ranging from 'low' to 'very high'.
The types of offences that come under the guidelines are varied, from lack of machinery maintenance, to insufficient training of staff. Crucially, the new guidelines mark a clear shift from an outcomes-based approach (where the level of harm caused would strongly influence the ultimate penalty) to a risk-based approach (with focus now on the potential for harm, regardless of whether any harm actually occurred). Under the new guidelines, nothing needs to actually happen for a severe penalty to be awarded. A key reason for the new guidelines was to address concerns that larger organisations were not receiving severe enough penalties for their offences.
The Sentencing Council disputes that the new guidelines will increase penalties across the board. Monitor and measure compliance to check whether policies are being implemented, controls are working, and to learn from any mistakes. If you would like more information or have any questions, please do not hesitate to contact Rowlands & Hames.
The City of London Police's National Fraud Intelligence Bureau has issued an urgent alert to make businesses aware of a new cyber threat.
Within the past month a number of businesses throughout the UK have received extortion demands from a group calling themselves 'RepKiller Team'. Remember that cover in the form of Cyber Insurance is now available which will assist in the event of you being targeting by attacks such as this. A new type of virus is sweeping the internet, but at its heart it is an age-old crime: blackmail. The racket has become widespread - cybersecurity company FireEye has seen a three-fold increase in ransomware in the last quarter alone. Ransomware may seem like a relatively harmless crime - the payoffs are low, and the hackers usually do unlock your files if you've paid up.
This is a particularly major problem for Britain, which has transformed itself into a high-tech knowledge economy. On January 15, 2016, The Center for Disease Control and Prevention (CDC) issued a travel alert for Mexico, Central America, South America and the Caribbean, as a result of an outbreak of the Zika virus. Zika is a mosquito-borne virus with symptoms that could include rashes, fever, headaches, pain behind the eyes, and joint pain. The urgency of this outbreak comes not from the severity of its symptoms, but from the fact that Zika can be spread from a pregnant woman to her unborn baby and has been linked to birth defects, such as, microcephaly—smaller-than-normal head size— in infants. The virus had never before been detected in the Americas – until now it had only been identified in Africa, Asia, and, most recently, the Pacific islands and Cape Verde. Before you travel, talk to your doctor about your plans to become pregnant and the risk of Zika virus infection. With no ecological or epidemiological barriers to halt, it is likely that Zika virus will continue to spread in the Americas to thosecountries where the vector mosquito is present – those localities that regularly have dengue and chikungunya outbreaks.
We may be heading towards Spring and Summer but for now the Winter coldness is still with us.
Space heaters can be a common fixture in the workplace during the colder months, and when used correctly, they can provide warm relief.
However, if space heaters are used improperly, are not kept clear from combustible materials, or are not functioning properly, they can cause fire, electric shock or produce carbon monoxide (CO) gas. As an employer, if you do not have a formal policy prohibiting the use of space heaters within your facility, it is important to provide guidelines for safe use. Units that have been listed or labeled by a nationally recognized testing laboratory such as UL (Underwriters Laboratories), CSA (Canadian Standards Association) or ETL (Intertek) should be the only space heaters permitted for use. Keep at least 36 inches of clearance around every space heater and only use them in areas free of flammable liquids and easily ignited or combustible materials. If using an electric space heater, make sure electrical cords and plugs are not frayed or damaged. If you allow the use of fuel-fired space heaters in your facility, they should be inspected annually by a qualified person to ensure that they are properly adjusted and clean. All exhaust ducting and flues must be free of blockage, duct separation, corrosion, holes and any other damage.
For more information, or if you have any questions, please do not hesitate to contact Rowlands & Hames. With SMEs increasingly tempted to shop online for their insurance needs in a bid to cut costs, small businesses need to be aware that cheap off-the-shelf insurance solutions can sometimes fail to provide adequate protection. So, here are five reasons why small businesses should consider an intermediary when it comes to all things insurance. One example of this is that more and more businesses use the internet to trade, but product liability in respect of exports to the US may be excluded.
Examples of this are a plumber including solar panel installation or florists adding jewellery or other gifts to the goods they sell.
More flexibility in working practices in a bid to achieve a better work-life balance may mean that more help is needed from a broker to better evaluate the risks.

Insurance claims for damage caused by floods so far this winter will reach ?1.3bn, the Association of British Insurers (ABI) has said.
The figure is the value of claims for those affected by Storms Desmond, Eva and Frank for damage to homes, businesses and vehicles.
The ABI said that around ?24m in emergency payments had already been paid to families and businesses. Homes and business have made almost 15,000 claims as a consequence of the three storms, according to the ABI. Huw Evans, the ABI's director general, said the ?1.3bn was "our estimate of the total cost, but clearly these numbers could change as future claims are made but this is broadly what we expect the cost to be for the damage caused by the storms of the last month".
When asked on the BBC's Today programme if it would mean increased premiums, he said it was a "very significant event" and "clearly would have some further impact down the line, but it was too early to say what that will be". The storms caused widespread flooding and damage across the UK in December, with Yorkshire, Lancashire, Cumbria in England and central and north-east Scotland among the worst affected. The ABI's figures are based on data collected from its members, which are the majority of major insurance companies, covering 3 December 2015 to 3 January 2016.
The average insurance claim for damage is ?50,000, well above the average of ?31,000 for the storms of winter 2013-14.
The overall bill, however, is well below the ?3bn total for the storm damage caused in 2007. For items like carpets and soft furnishings, take a cutting as this can help your insurer in providing a similar replacement or cash payment. Customers have made nearly 15,000 claims for damaged property, and 5,600 claims for damage to vehicles. James Dalton, director of general insurance policy at the ABI, said: "The impact of flooding will be felt for many months to come in affected areas.
When a Ford Fiesta collided with a double-decker party bus packed with revellers on a roundabout in Crewe it could have been a very nasty accident.
The details of the huge insurance claim were released on Thursday by insurance group Aviva, which had insured the driver of the Fiesta. The accident happened as the Fiesta's owner tried to overtake the doubledecker bus at low speed and was caught out as the bus turned onto the roundabout. Most of the passengers on board were said to have been unaware of the collision at the time and none received medical attention before going on to spend the evening at a nightclub. The UK has become known as the whiplash capital of Europe due to the high level of claims made by those involved in accidents. But after the insurer rejected the claims, 23 of the partygoers then hired lawyers to fight their case and were able to supply medical evidence to lawyers in support of their claim.
Tom Gardiner, the head of fraud at Aviva, said: “This claim highlights the outrageous scale of whiplash fraud in the UK being driven by the current system, and which frankly has become a national disgrace.
The incident happened in September 2012, but those who had their claims rejected had three years to seek legal representation and appeal, so Aviva has only now been able to close the case – and make it public. The insurance company said that for every ?1 it pays out in compensation for whiplash it spends another 80p to cover lawyers' fees. The insurer uncovered the claim as part of an operation in the north-west focusing on staged accidents involving buses and multiple claimants. In November's autumn statement the chancellor, George Osborne, announced a crackdown on claims, which could lead to the end of cash compensation and reduce drivers' premiums by ?50 a year. The Association of British Insurers sid that whiplash policies cost ?2bn a year – an average of ?90 for each motor insurance policy. With almost every major car company—and even tech companies like Google and Apple—looking to unveil models of self-driving cars in the next few years, considerations for car safety are being radically altered.
And, as automated vehicle technology moves toward level 5—offering a completely driverless experience—safety increases.
Insurers have typically considered the past to be an indicator of what's going to happen in the future. So it's time for businesses to answer some core questions, said Albright, like how to sell business, who to sell to, how to underwrite risk, and how to manage claims."Every core component of doing insurance right now will change," he said. Gill Pratt, head of the Toyota Research Institute, which is studying AI, said that this hand-off can sometimes be dangerous. But the big change in insurance is likely to come from a shift in focus, going from covering the car itself to the software of the car. Thilo Koslowski, an analyst at Gartner, believes that we will always have a need for insurance. Instead, car insurance companies will need to broaden the scope of what constitutes potential safety threats. Rowlands & Hames' Directors and Staff wish everyone a very merry, but safe, Christmas and a very happy and prosperous 2016. In the event of an emergency claim, please contact your insurer directly on the number provided in your policy wording.
The European Union court has concluded that employees with no fixed office who travel to visit customers are carrying out their work activity or duties over the whole duration of those journeys. The judgment says the journey of the employee to the customer appointment is a necessary means of providing their services at the premises of those customers. In addition, the court considered that the employee would be classed as working during the journey. When the good weather comes, we all tend to have a thorough 'spring clean' of our properties, but it's also important to spruce up homes, ahead of the winter months.
The cold weather can have an adverse effect on brick work, so it's a good idea to inspect the building and fill in any gaps in the mortar before the freezing weather arrives to prevent more serious damage if left untreated. If you do experience a claim this winter, do not hesitate to contact Rowlands & Hames and we will aim to resolve the matter as quickly as possible. Work-related road collisions cost UK employers ?2.7 billion every year, while across the European Union, road collisions account for 39% of all work-related deaths. With statistics like these, it is vital that employers do all they can to minimise the risk of collisions involving their employees. From assessment and training to technology, there are a host of tools available to help reduce your motor fleet risk. In addition to having robust fleet risk management and driver safety policies and procedures, managers should consider carefully how their company's operational procedures impact on driver performance. For example, if sales staff are asked to make multiple appointments in a day, and these are not arranged in a way that minimises time spent travelling between them, or if travelling time (and contingency to allow for delays) is not taken into account, this could potentially be an operational barrier to safe driving. You can have the best driver safety procedures in the world, but if you don't have the right operational procedures, you are unlikely to significantly reduce your fleet risk. Eating, drinking, smoking and talking to passengers can all distract drivers, but mobile phones pose a particularly significant distraction risk. Employees may also be tempted to use their phones for personal use while driving, for example to access social media, so there needs to be clear communication on the dangers this poses, too. Vehicles fitted with lane departure warning systems can alert a driver if they are veering into the wrong lane; some newer models can even automatically steer the vehicle back into the correct lane.
In addition, vehicles fitted with telematics devices can give companies useful data about driver behaviour, such as speeding, harsh braking and cornering.
If a driver makes an error on the road, it doesn't normally end in a crash, and every time this happens their brain reinforces the idea that their behaviour wasn't risky. A comprehensive ongoing strategy is critical to developing a strong driving safety culture. Some companies find that building a road safety culture through driver of the year competitions, or organising promotions to coincide with events such as Road Safety Week, can help make their drivers more aware of the risks they face when travelling on business. Following a significant collision, it is important that companies identify any underlying factors that might have made the collision more likely.
Companies will not have time for detailed analysis of every minor collision, so they must establish criteria for which types of incidents will require an in-depth debrief – e.g. Once you understand the root cause of an incident, you need to do something about it, and if you have identified a root cause, that's a good opportunity to share the insight with the rest of the company. The government intends to clamp down on late payment of insurance claims and they have started with the introduction of the Enterprise Bill on 16 September 2015. The Bill proposes an implied contractual requirement on insurers to pay claims to businesses within a reasonable time. Business secretary Sajid Javid said: “The government is committed to making sure the UK continues to be the best place in Europe to do business. Currently, insurers under contracts of indemnity insurance in England and Wales are under no legal obligation to pay valid claims within a reasonable time and while FCA rules require prompt claims handling, a policyholder cannot claim damages for late payment.
The insurer will have a defence to a claim for breach of the implied term where it had reasonable grounds for disputing the validity or value of a claim and the insurer will not be liable while a dispute is continuing. The Enterprise Bill says that the provisions for late payment will come into effect one year after the Bill is passed into law, and will then apply to insurance contracts entered into after that date. The Bill is reflective of a number of similar initiatives, broadly aimed at ensuring that insurers 'treat customers fairly' and put the policyholder at the forefront at every point of contact. The leaves are falling and autumn is definitely here, but how can businesses protect themselves during this season?
Helping to protect your business can be done in just a few easy steps and the following guide is designed to help you do exactly that. There are recommendations and checklists through the bulletin to make managing the risks of the season into practice. A business was conned into handing over more than ?1m to a bogus caller who was pretending to be from the firm's bank.
The fraud is believed to have netted the largest ever amount from a telephone banking scam in the UK. The conman phoned the company in Suffolk and claimed that there was a virus on the firm's internet banking facility. He advised a member of the staff that the firm's money should be transferred into separate holding accounts while the bank fixed the problem.
The caller managed to gain the trust of the staff member and persuaded them to download remote access software on the firm's computer.
A Suffolk Police spokeswoman said the software enabled the caller to access the firm's accounts and transfer the money out into other accounts. During the call, the fraudster managed to disguise his own telephone number to show the number of the bank's fraud team, which was on its website.
The firm which fell victim to the scam reported the crime to police on Wednesday when it realised the money had disappeared. The police spokeswoman said that staff at the firm had been left "understandably distressed". Suffolk Police and Crime Commissioner Tim Passmore said: "I'm absolutely flabbergasted about the audacity of these criminals.
Mr Passmore said the pattern of crime was changing in Suffolk and described cyber crime as "perhaps the biggest threat society faced".
Did you know that there is an insurance policy you can take out to protect yourself in case this does happen? IPT increases on 1 November 2015 from 6% to 9.5% and applies to all new business and renewal policies with an inception date thereafter.
There are a number of exemptions, including reinsurance, life insurance and pension linked insurance. It will be incumbent on insurers to process policies without delay, to ensure customers are not exposed to additional tax exposure as a result of late or incomplete information.
The government predicts the IPT increase will provide the exchequer with an additional ?530m in 2016, rising to an additional ?1580m in 2021. Recent research has found that two-fifths of UK employees don't have life insurance, and 37% say that they don't know how their loved ones would meet long-term financial demands if they died. Having life insurance gives peace of mind that your loved ones will be financially protected should the worst happen.
Though we are trying to deny it, Summer is over and Autumn and Winter are on their way.  That means the weather will soon deteriorate, so the question is, are you prepared? Almost 60% of small firms do not have plans in place for extreme weather - despite two thirds having been affected by snow, drought or floods in the last three years - a survey suggests.
The Federation of Small Businesses, which commissioned the research, said firms "need to get better prepared". The survey also found 29% of small firms did not have insurance for loss of income or damage caused by flooding. The federation said damage caused by widespread flooding last year cost firms in affected areas an average of A?1,531. Mike Cherry, the federation's national policy chairman, said: "Last year was the wettest winter on record and 3,200 commercial properties were flooded in the UK.
Of the businesses in the survey which said they had been affected by extreme weather, 46% said they experienced disruption to staff and customers, while 32% said suppliers, utilities or transport arrangements were disrupted. They might con you into paying for work that doesn't really need doing or is of a very poor quality, or appeal to your better nature. Other alarming text messages can appear to have come from your bank – warning of unusual activity on your account and providing a "secure" link to log in.
Other scam calls can come from people pretending to be computer engineers, investment managers etc. Never reveal your PINs, passwords or memorable information, including by tapping them into your telephone keypad.
For example, it can track what you type on your keyboard, copy personal files or photos or display messages demanding money. The more a conman can find out about you in advance, the more likely it is you'll believe their story.
Fraud investigation is a specialised field, especially when the period the crime took place over dates back a long time. On discovery of the new CCTV footage, the claimants discontinued a week before trial but AXA proceeded to the hearing in order to seek permission to enforce the costs order.
In dismissing the claim, he found the claimant to be an “opportunist” who had “exploited this minor incident to make a profit”. The incident was captured by the insured's dashcam and recorded a light collision between the AXA customer and another, parked, HGV.
As a result, the claimant stated that they suffered injuries to their face and an “electric shock feeling” to the right side of the body from leg up to neck.
As the trailer was connected to a tractor unit via the fifth wheel coupling, the tractor unit would also have swayed but not to the extent of causing any injury.
He concluded that the claim was fundamentally dishonest and that the claimant had also been fundamentally dishonest in their evidence.
It highlighted that UK homeowners are prepared to spend ?234 on average on smart security - which can include movement sensors connected to mobile phones and wifi locks.
Anxious to combat this risk, two in five homeowners create the impression that their home is occupied to deter burglars, but these simplistic methods no longer cut it, as one in five now has plans to invest in smart tech to protect their homes.

Our 'Smart Tech Safer Homes' study shows that more and more homeowners are turning to smart technology to protect their homes. People from Wales shy away from such futuristic trends, spending only ?66 on text alerts to notify them when someone enters their property. Even with the adoption of smart technology and with traditional modes installed, homeowners should act with vigilance and care when leaving homes unoccupied.
Even in the middle of summer, where the sun doesn't set in some parts of the country, it's a legal requirement to have them on. If you're caught with a working device, or break any French driving laws, the French police can confiscate your license and impound your vehicle. Should you be unfortunate enough to have an accident involving a reindeer, elk or any other large animal it's illegal not to report it to the police.
This is still just a recommendation but bear in mind that it's illegal to stop even if you run out of petrol on the motorway. Also, in Germany, Good Samaritan laws require drivers to stop and offer assistance if they encounter an accident scene. If your car is deemed not to be clean enough then you're likely to have your license confiscated or have to pay a penalty fee. But it's not just breaking the speed limit or wearing your seat belt that you need to keep an eye on. The findings correlate with Aviva's data that shows 11% of the personal injury claims it handles each year are tainted by fraud. The temptation of financial or personal gain often causes people to wrestle with decisions, while others turn a blind eye entirely – especially when the immediate impact of their actions is not apparent.
Also, on 15th April, semi-professional footballer Gary Burnett was convicted to four months in prison, suspended for one year, for contempt of court following a false whiplash claim against Aviva.
But it's clear a minority are lured by the incentive of 'easy cash' that exists within the motor claims compensation culture.
And between 2011-2014 malfunctioning household appliances – particularly washing machines, tumble dryers and dishwashers – caused almost 12,000 fires in Britain. But a 2014 study by the Fire Door Inspection Scheme showed that almost half of those responsible for maintaining fire safety in multi-occupancy buildings are simply unaware of their legal obligations. Similarly, fire doors within communal areas are considered a critical element within multi-storey and high-rise blocks for limiting fire spread throughout a building.
They ask courts to determine levels of culpability and the risk of harm, and fines are dependent on an organisation's size and financial means. They also lower thresholds for awarding custodial sentences to directors, managers and employees who breach their duties.
Therefore, if employers are aware that they are falling short of accepted standards, instances such as these could be considered a deliberate breach. So exposing employees to a severe risk of death, for example, could now warrant a similar penalty to that if a fatality were to actually occur. However, many commentators fear this will be the inevitable result, as the courts work through the new nine-step approach. They have sent emails demanding payment of between ?300-500 in Bitcoins by a certain date and time and if their demand is not met, they have threatened to launch a cyber attack against the business and its reputation by automating hundreds of negative reviews online. It locks all your files and threatens to sell them, so you can't access your own computer unless you pay a ransom. The Australian government reported that 72pc of businesses surveyed experienced ransomware incidents in 2015, compared to 17pc in 2013. In this new scheme, cyber criminals attempt to infect whole networks with ransomware and even manage to delete backups - putting critical data from patient information to power grids at risk, and threatening to damage the reputation of these large institutions.
The majority of our economy relies on services, rather than manufacturing, so data is the source of our future prosperity. On January 16, 2016, health officials in Hawaii confirmed the first known instance of a Zika virus infection within the U.S. The illness and its symptoms are “usually mild,” according to the CDC, and only one in five people infected will develop symptoms. Do not take aspirin, products containing aspirin, or other nonsteroidal anti-inflammatory drugs such as ibuprofen. Practicing safe use and having guidelines in place may help reduce the risk of fire or injury to your property and employees.
Be sure it is not in a high-traffic area or in any area where it may become a tripping hazard.
Always plug the heater directly into the wall outlet, and be sure the power cord is not crossing a walkway. They should be turned off when the employee leaves the room or area of the heater, and they should be unplugged at the end of the day. In commercial lines, the vast majority of business is traded by a broker and the direct market is not anywhere near as well defined.
One example of this is changes in technology, which can provide savings in costs or access to new markets. Another example might be around office-based risk and the increasing use of allowing staff to bring their own device to work. This in itself has led to them being more complex and having more complex insurance needs, such as exploiting new technologies. Newsagents, too, are increasingly becoming depots for parcel collection and returns, and we have even heard of a case where a barber's shop located by the coast was also selling buckets and spades. Luckily the Fiesta was travelling at less than 10mph and there was just a small split in the car's bumper and a ?70 bill to fix the bus.
While in France just 3% of motor injury claims are for whiplash, in the UK the figure is 80%. Aviva, however, didn't give up, and eventually all the claimants dropped their claims before they went to court. It has been lobbying the government to make claims more difficult,and wants the period people have to make a claim cut to 12 months from the date of an accident. It described the claims as “opportunistic”, but said its fraud unit is dealing with more than 4,000 suspect whiplash claims linked to organised “cash for crash” claims - where people submit false claims for damage and personal injury related to staged car accidents. A spokeswoman said: “When people suffer genuine personal injury they deserve help which insurers are committed to providing.
With a predicted 80% drop in accidents by 2040, there are major implications for the car insurance industry. According to Jerry Albright at KPMG, "the implications for the insurance sector are going to be profound.
So when cars make more and more decisions, with tools like like lane assist, self parallel parking, traffic jam assistant and more, accidents drop. The Insurance Institute for Highway Safety's research shows that fully-engaged technology, meaning that you don't turn off any function, translates into a 7% to 15% reduction in property damage claims.
But what's happened over the last 100 years is radically different than what the next five to ten years will bring. There will still be bad weather, animals darting in front of vehicles, and other unforeseen circumstances that will lead to crashes. Failure to take those journeys into account would enable the employer to say that only the time spent at the customer premises would fall within the concept of working time. The case came before the court as the employer had abolished their regional offices, but had not changed the journeys undertaken by their employee and factored-in the additional time. Given that travel is an integral part of being an employee with no fixed office, their place of work cannot be reduced to the physical areas of his work on the premises of the employer's customers. This ruling could affect their employers, who might have previously determined the start and finish of the working day, as the time of the first and last appointment.
However, it takes an overarching motor risk management strategy to effectively and sustainably reduce risk and bring all these elements together.
Staff may drive less safely in order to arrive at an appointment on time if they have not allowed sufficient travelling time.
Studies have also shown that even when using hands-free phones, drivers' reaction times are 50% slower. Autonomous Emergency Braking (AEB) systems, for example, use radar, lasers and cameras to monitor the road ahead and can automatically apply the brakes if they spot a hazard. This could include regular communications to staff giving safety advice, such as the importance of checking tyre pressures, or discussing seasonal risks such as leaves on the road in autumn, or icy conditions in winter. The aim of the government is to provide compensation to be paid by an insurer where a policyholder suffers additional loss because of an unreasonable delay in payment. As a result, it seems unlikely that a claim for breach could succeed before the insurer confirms policy cover.
Provision of damages for late payment of claims was considered as part of the Insurance Act, but was abandoned before the final draft. Cover doesn't have to cost a lot and a pay-out could be used by your loved ones to replace an income, cover mortgage payments or maintain their current standard of living.
If you have children or other people relying on you financially, it is important to think about their future and how they would cope financially should you pass away.
You might not get what you paid for or they may overcharge you or bill you for work that you didn't agree to. Numbers can be "spoofed" to make them look like they come from your bank or other organisations, when they're actually fraudulent.
People who do reply tend to receive even more scam mail because they are identified as vulnerable. It's a job best handled by experts, even without considering the sensitivities of having to investigate your own staff.
Instead they choose to invest ?215 on pets to protect their homes; 21% higher than the national average of ?177.
Also avoid using your horn when driving in Finland as it's illegal unless you're in danger.
The employer is found guilty of corporate manslaughter and failures to ensure the safety of employees and others. This week, Reuters reported that the payment demanded by ransomware gangs is steadily increasing, meaning more criminals are switching to it from straightforward credit card theft. Hackers stealing data in exchange for pay won't just take your computer network hostage: they could disrupt life-saving medical equipment, connected cars as they drive on the road, or smart home devices like your thermostat.
These knowledge industries have critical networks and highly vulnerable data that they cannot afford to lose access to - the consequences of a university's IP-protected research data being stolen are far more serious than, say, a retail store or even a commercial bank. If you must travel to one of these areas, talk to your doctor first and strictly follow steps to prevent mosquito bites during your trip. However, there may be additional risks that the SME needs to consider and a broker may be able to help with this.
There are potential data security issues here, which, again, a broker may be able to help an SME evaluate and source suitable cover. Then came the real impact – a ?250,000 insurance claim when every one of the 46 passengers said they had suffered a whiplash injury. The injury, which can take hours to be felt and causes neck pain and headaches, happens when the head is suddenly thrown forwards, backwards or sideways. Some insurers automatically pay out on all whiplash claims up to ?3,000 because it is is cheaper to pay up than fight a case. Still, "you don't have to wait to be at a level four to realize the safety benefits," said Albright. Vehicle-to-vehicle communication, (V2V), means that cars will start interacting with other cars.
Also, there are still problems with the technology behind level 3 driving, in which drivers are handed back control from the system. This would distort the true picture of working time andjeopardise the EU objective of protecting the safety and health of workers, through the working time regulations (no employee is obliged to work more than an average 48 hour week).
The fact that the employee begins and finishes their journey at their home stems directly from the decision of their employer to abolish the regional office and not from the desire of the workers themselves. Research shows AEB systems have led to a 38% reduction in rear-end collisions in Europe and Australasia. It should be no surprise that government reform continues to put the insuranceindustry under the spotlight, so it will be imperative that insurers rise to challenge, review and improve their claims systems and procedures.
A life insurance policy gives you peace of mind that your loved ones will be financially protected. It's worth ringing the person on a phone number you know to be genuine to check the details.
Action Fraud suggests taking a photograph of a salesman on your mobile phone – if they are legitimate, they shouldn't mind.
Just as we saw with the Ashley Madison attack, where hackers of an infidelity social network blackmailed members' families, criminals will increasingly threaten to go public with confidential data. And, eventually, they will also "talk" to the infrastructure at some point, or vehicle-to-infrastructure (V2I).
They are weighed down by legacy systems and process and all sorts of other things that do not enable them to act nimbly to massive changes in their environment," said Albright. The court reached their conclusion on the basis that the employees are at the employer's disposal for the time of the journeys. Thus, requiring them to bear the burden of their employer's choice would be contrary to theobjective of protecting the safety and health of workers pursued by the EU directive, which includes the necessity of guaranteeing workers a minimum period of rest.
Failure to do so could lead to breach of the working time regulations, resulting in tribunal claims and compensation. Think carefully about who you share your information with and how much you post on social media. Given their proximity and the monthly flow of people across these countries' borders, it seems very likely that the means of introduction was infected travelers.
If you give away enough information, a criminal can take out loans in your name without you even knowing.
During the necessary travelling time, the employee would not be able to use that time freely to pursue their own interests. Also, by classifying the employee as working during those journeys that could have an impact on the employer's duty of care. We should not be scared by all this, but we should be a little more suspicious and get better at doing the basic things that can help keep us safe. It is not inconceivable that an employee's accident on the way to an appointment could be pursued as an employers' liability claim, where there is breach of duty.
There might be a further issue around the determination of whether a claim falls under the motor or employers' liability policy.

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