Risk prevention is better than cure. People need to take reasonable steps, such as buying a shredder. That's the most important thing.

Prevention is better than cure

Prevention is better than cure and a moderate rate rise is better sooner than later.

I think for those spending two weeks in Greece every year, it is simply a case of clarifying levels of baggage cover and that the policy is in no way going to be negated by failing to disclose medical or other information.

Damage assessors can't get to some properties - they are still under water.

We're not expecting an immediate premium increase directly as a result of Katrina, but the wider issue of climate change is beginning to have a very serious impact on insurers.