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John Stewart

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Since 2005 Aviva, the UK’s largest insurer, has seen an alarming 57% increase in the number of bodily injury claims made against motorcyclists. The insurer has also seen motorcycle claims costs increase by 51% in the same period, with the insurer’s statistics indicating that this is a consequence of more riders carrying pillion passengers.

Motorcycle accidents remain a major concern for road safety groups. Motorcyclists account for 34% of fatalities on our nation’s roads while only accounting for 1% of the overall traffic.
Nigel Bartram, Aviva motoring expert, said: “These are certainly sobering statistics. We believe that the upturn in bike claims, particularly bodily injury claims, is a consequence of more riders opting to carry pillion passengers. Congestion and fuel costs are certainly issues of concern for all motorists, so taking the bike out rather than the car can save on time and money. However, carrying a passenger can affect the way a bike handles in relation to stopping distance, cornering and steering, so we are advising riders to take extra care, and to seek expert help if not completely confident.”

Iain Temperton, team manager for Casualty Reduction at Norfolk County Council, said: “It is a sad fact that a large proportion of rider fatalities in Norfolk are caused by rider error. Carrying a passenger can make the challenge of riding a bike more difficult and I would urge all riders to take any opportunity to enhance their skills. Courses are available via local Constabularies or local authority Road Safety teams.”

Before taking a pillion passenger out on a bike, Aviva is advising riders:
It’s essential that the passenger has a British standards approved crash helmet and they should be wearing the correct attire.
Their bike is adjusted to accommodate a passenger with regards to suspension, tyre pressure and mirrors
Their passenger takes up the correct position on the bike, acting as a neutral load, not compromising the balance of the rider.
Nigel Bartram continued: “Now that summer is here more bikers will be taking to the roads. We are trying to raise awareness that, whilst biking can be a liberating and extremely enjoyable experience, it is still a vulnerable activity that requires acute awareness of risks and hazards that are associated with travelling on two wheels.”

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Aviva has today announced that Dipak Warren will be joining them as Corporate Risk Solutions Director.
Dipak joins Aviva from Mitsui Sumitomo Insurance (London Management) Ltd where she joined in 2000 as a founding member of the Syndicate with responsibility for developing the property and package business across the UK and European large corporate clients. Dipak will report to Axel Schmidt, Chief Underwriting Officer.

In her last role as active underwriter and director of Mitsui Syndicate, Dipak was responsible for the Syndicate business plan and performance across property, casualty, motor, PI, marine, construction, commercial mid-market and aviation.

David McMillan, UK General Insurance CEO, Aviva, said: “We are delighted to be welcoming Dipak to head up our Corporate Risk Solutions division.
“Corporate Risk Solutions has had a great reception from brokers since its launch in January, and has gone from strength to strength, culminating in Dipak’s appointment. Although we have only recently set our sights on large corporate risks, we believe Dipak’s appointment further substantiates our intention of becoming a top three player in the corporate risks market within the next three to five years.

“We know that Dipak, with her wealth of experience in this sector, will be a strong asset to the team, both by helping develop our expertise further and leading the team to even greater success in the future.”
Dipak will take up her new role in September. She will be based in London at the Corporate Risk Solutions Centre in St Helen’s, Aviva’s head office.

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    Leading car insurer Liberty Mutual has launched a futuristic driving game that challenges players to not only finish first, but protect their sleek, high-tech vehicles from hazards by completing race tracks safely and avoiding collisions with other drivers.

    In Liberty Mutual’s game – titled “2099” to set the stage for a futuristic gaming experience – safe driving means more points scored, which in turn unlocks challenging race tracks, sleek new vehicles and gadgets to enhance one’s car. 2099 can be played now at http://www.LibertyMutual.com/2099 , and is designed for people who enjoy taking 15-30 minutes from their day to play free online games.

    “In designing the 2099 game, we posed the question: what would responsible driving look and feel like in the future?” said Greg Gordon, senior vice president of Consumer Marketing at Liberty Mutual. “Certainly, we envision our cars being more high-tech. On the other hand, there is one element of driving that will never change – an area we wanted to spark awareness around – the importance of staying safe behind the wheel.”

    Indeed, Liberty Mutual’s game has strong ties to the company’s focus on responsible driving and role as a leading auto insurer. For example, a player’s driving performance also feeds into the level of insurance coverage for his or her vehicle. The more coverage a player has, the more opportunities to repair his or her vehicle and restore parts damaged during race time. Game play is keyboard-based and entails unique commands, such as an “accident recovery” feature that helps replenish a car’s strength; reflecting Liberty Mutual’s real-life auto insurance products designed to help customers move on quickly in the event of a claim or loss.

    Liberty Mutual’s game can be played in single-player mode versus computerized drivers, or against friends and family, with up to six players per race. Players can also join a “public” game with acquaintances or random opponents who are online and ready to compete. Finally, 2099 can be shared by logging in via Facebook Connect, where social media users can challenge friends to a race, or by cutting and pasting the game’s “share“ link into a tweet, instant message or e-mail, inviting others to play.

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    Stephen Lewis, Chief Executive, Zurich’s UK General Insurance (UKGI) division is pleased to announce the following appointments to his Executive team:

    • Kay Martin joins Zurich as Chief Marketing Officer and Head of UKGI Strategy effective from 1 June 2010.
    Kay will be responsible for all marketing activity in the UKGI business. She will take responsibility for shaping Zurich’s position as ‘thought leader’ in the UK general insurance industry and as such will also have a broader remit as Head of Strategy for UKGI. The UKGI teams in Marketing and Communications and the Shared-Service Government & Industry Affairs (GAIA) teams will report to Kay.
    Kay joins Zurich from Aviva where she was most recently Director, Marketing & Communications with responsibility for marketing strategy and delivery, marketing insight and communications.

    • John Dyke, becomes Chief Finance Officer, replacing Scott Egan who was appointed Group Head of Operations, Planning and Performance Management in the Zurich HQ. John returns to the UK following a spell as Head of Finance Operations in Zurich North America and as Head of Planning and Performance Management for the Group in Zurich before that.

    • Tony Emms, becomes UK Chief Claims Officer replacing Bill Paton who has become the Chief Claims Officer for Zurich’s European Claims Organisation. Tony moves from Motor Claims Director, a position he has held sine 2005 and now has responsibility for the Zurich UK claims function. Tony has been with Zurich for seven years, having joined Zurich as Claims Supply Director. Tony is replaced as Motor Claims Director by Karl Helgesen – who joined the Zurich finance function from Aviva in 2008. Also in the Claims leadership team, Anna Fleming becomes Supply & Services Director, and Jon Cawley, currently Property Claims Operations Manager becomes Property Claims Director.

    • Stephen Lewis, UKGI Chief Executive said “I’m delighted to have three more exceptional talents joining the UK General Insurance executive team. Kay has a successful track record in delivering major programmes across a range of different distribution channels. Her depth of knowledge and experience are going to be a real asset for the organisation and this appointment further demonstrates our commitment to be the best in the UK market. To recruit such senior roles from within the business always makes me proud and I’m pleased to bring the skills and experience of both Tony Emms and John Dyke into the UK top team.”

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    Zurich Financial Services Group (Zurich) announced today that its subsidiary Zurich Insurance Company Ltd has signed an agreement to acquire 80% of PT Mayapada Life, a Indonesian life insurer focused on the distribution of group and individual life and health plans.

    The seller is the Mayapada Group, an integrated business group with interests across various sectors including financial services, healthcare, property, retail, media, leisure and energy, which will continue to hold 20% of PT Mayapada Life. Subject to the approval of the relevant regulatory authorities, the transaction is expected to close in the third quarter of 2010.

    Headquartered in Jakarta, PT Mayapada Life at the end of 2009 had gross written premiums of USD 1.7 million. It has been distributing its life insurance products mainly through tied agents and to a lesser extent through PT Bank Mayapada International Tbk (Mayapada Bank). To ensure immediate access to the Indonesian bancassurance distribution channel, it is planned that the new Zurich controlled entity enters into a long-term distribution agreement with Mayapada Bank. Through this transaction, Zurich establishes its presence in the Indonesian life insurance market, one of the fastest growing life insurance markets in Asia.

    Mario Greco, Zurich’s CEO Global Life, said: “The acquisition of Mayapada Life is a first step in Zurich Life’s expansion plans in Indonesia. It underpins our commitment to developing the market in Indonesia and our strategy of providing protection and saving products to the rapidly growing number of the population with such needs. The Mayapada Group will be a strong local partner as we seek to build key relationships to grow our business in the Asia Pacific region.”

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      Resolution, set up in 2008 to buy and profitably merge slow-growing British life insurers, said on Monday it hoped to complete the 2.75 billion pounds ($4.03 billion) takeover by the end of June.

      The deal, to be part-funded by a 2 billion pounds cash call, would be Resolution’s second takeover after its acquisition of life insurer Friends Provident last year, easing concerns about the slow pace of its consolidation project to date.

      “This move will take some pressure off Resolution’s management, who having targeted two or three acquisitions this year have so far not announced any,” Oriel Securities analyst Marcus Barnard wrote in a note.

      The British disposal will give AXA more scope to pursue acquisitions in Asia, where Europe’s second-biggest insurer has been striving to boost its presence as part of a plan to triple the profits it generates in emerging markets by 2015.

      “It leaves them well-placed to take advantage of assets as and when they come up for sale,” said James Shuck, an analyst at stockbroker Jefferies.

      “It gives them more room for maneuver. They’ve got scope to do a 1 to 3 billion euros acquisition with no extra financing involved.

      EASTERN PROMISE

      European and U.S. insurers are keen to increase their exposure to Asia, one of the fastest-growing insurance markets in the world as strong economic growth fosters an emerging middle class with strong appetite for financial services.

      Britain’s Prudential (PRU.L) in March agreed a $35.5 billion takeover for AIG’s Hong Kong-based AIA unit, in what would have been the insurance sector’s biggest ever deal, but was forced to walk away after shareholders baulked at the price tag.

      AXA, one of Asia’s largest foreign insurers, is seen as a potential bidder for businesses that could be sold by regional rivals ING (ING.AS) and AIA to repay government bailouts received at the height of the crisis.

      However, any Asian deals may have to wait until AXA has completed a stalled plan to buy out minority investors in its regional unit, AXA Asia-Pacific. The company’s bid to take full control of the subsidiary is on hold because of regulatory concerns over a related disposal in Australia.

      AXA said the deal with Resolution would result in a one-off writedown of 1.4 billion euros ($1.7 billion) in 2010, but would generate net cash proceeds of 1.7 billion euros while also boosting its capital strength.

      AXA shares were up 2.7 percent at 13.46 euros by 1141 GMT. The stock is still down about 18 percent since the beginning of the year, partly reflecting investor concerns over the company’s capital reserves.

      COST CUTS

      Under the deal, AXA would sell its British protection, annuities, and group pensions units to Resolution, but would keep its more profitable and less capital-intensive wealth management and direct protection operations.

      “It’s sensible,” said West LB analyst Andreas Schaefer.

      “In my view it’s one of the least attractive (markets) in Europe, margins are rather low, and overall growth is not really sufficient.”

      Resolution flagged “significant” cost savings from combining the AXA units with Friends Provident, and said the merger would create one of Britain’s biggest providers of protection insurance and group pensions.

      Resolution, founded by insurance tycoon Cive Cowdery, has set itself a target of buying and merging at least three life insurers before selling or floating the combined business in 2012.

      The company told analysts and investors last year that it had identified 25 potential takeover targets, and was earlier this year reported to have held fruitless talks about buying the UK arm of Prudential (PRU.L).

      Resolution shares were suspended pending the outcome of the deal talks as the purchase of AXA’s UK units would be classified as a reverse takeover under stock market rules.

      AXA was advised by investment bank Credit Suisse.

      Reuters

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        Shaw Trust is one of the UK’s most comprehensive website accessibility accreditation services. A national charity, it supports disabled and disadvantaged people to prepare for work, find jobs and live more independent lives. It is also the only web accessibility accreditation organisation to employ its own testing teams on a full time basis.

        Jamie Marchant, Marketing and Communications Director at Groupama Insurances said: “We are currently the only insurer to hold Shaw Trust Accreditation and we see this as a significant step forward for our website. It has involved a great deal of work, some substantial enhancements and a good deal of testing. However, we recognise that our site is accessed by people with differing abilities and we have always been keen to ensure that all web users can visit and use our sites easily and effectively. All the hard work has been well worth it and we are very proud of this achievement.”

        The process of achieving accreditation involved rigorous testing by people with varying disabilities and also a range of tests using a variety of hardware and software designed to facilitate the use of computers by disabled users. Only after all suggestions for improvement were adopted was the accreditation granted.

        Cam Nicholls, Sales and Service Development Manager of Web Accessibility Services at Shaw Trust says, “Achieving Shaw Trust accreditation shows a clear determination to achieve the high standards we demand and we are delighted to grant the accreditation. Groupama’s commitment to making its website accessible to people of varying disabilities has been apparent throughout the process of editing and testing and we hope that this commitment continues in the future.”
        Jamie Marchant concludes; “Shaw Trust accreditation means that www.groupama.co.uk meets a high level of web accessibility but is just a start. Our aim is to make sure that all of our sites are just as accessible.”

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        Responding to new research that shows 38% of drivers fail to capture sufficient third party details needed for making a claim, MORE TH>N has launched an iPhone application that provides support to drivers at the scene of an accident.

        The Car Claim accident tool provides step by step guidance through safety precautions at the roadside, and prompts users to capture key information, including witness and accident information. There is also an option to take photos, as well as upload your current location through Global Positioning System (GPS)ii, which alongside the other information captured, can then be emailed to an address of the user’s choice.

        MORE TH>N is the first UK insurer to take advantage of such mobile phone technology platforms to help customers at this critical time. After an accident, drivers are feeling shaken or stressed, meaning they can forget to record the necessary details. The Car Claim tool lends a guiding hand to help users gather the information needed to notify their insurer of a claim as soon as possible.

        The Car Claim application is available from the Apple App store to download and store on phones for future use. The application is free and not exclusive to MORE TH>N customers – allowing users to input different insurer details.

        Mark Christer, Managing Director for MORE TH>N, said: “A car accident is a traumatic experience and it’s easy for drivers to forget what information they need to gather from the scene. It’s a time when people really look to their insurer to provide support.

        “Advancements in mobile technology have provided MORE TH>N with the opportunity to reach out and help our customers at this critical time – an opportunity which we are proud to be fully embracing. Car Claim should help users experience a smoother claim process with their insurance company, helping them to return to normal as soon as possible.”

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          Clydesdale Bank releases new fixed bond
          Money News
          Available with a rate of 4.5 per cent Gross for one year, it is on offer when it is taken out in conjunction with an Axa investment product,
          Yorkshire and Clydesdale banks launch fixed-rate bondMyFinances.co.uk
          Investors expected to diversify in 2010 and most want their money to work more Investment International
          Optimism for fixed incomeFT Adviser
          Investment International
          all 5 news articles »

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            The Guardian
            AXA launches new car insurance product
            viploan.co.uk
            Does AXA need any new introduction? Perhaps not; AXA, French global insurance companies group headquartered in Paris, even though not the name of a single
            Axa launches new car insurance productMoney News
            AXA launch AXA Car InsuranceInsurance Daily
            AXA Launches Car Insurance For Older DriversHULIQ
            Marketing Week –CampaignLive –Independent
            all 20 news articles »

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              Professional Pensions
              Association formed to trade longevity risk
              insuranceERM
              The LLMA's founders are Axa, Legal & General, Prudential, Swiss Re, Pension Corporation, Deutsche Bank, JP Morgan and RBS. The Wall Street Journal reported
              Insurers form longevity swaps marketGlobal Investor (subscription)
              Longevity risk trade association launchedSTORM (subscription)
              Insurers link up with banks to tackle longevity crisisCitywire.co.uk
              Bloomberg –Hedge Funds Review Magazine –Reuters
              all 25 news articles »

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                Many of the best credit cards are becoming those that provide greater customer service, fraud prevention and plain-English terms and conditions.

                It appears that the UK credit card industry, following the shock to the system of the credit crunch, may well see a restructuring of the markets’ marketing emphasis, with customer service and innovation being at the centre.

                Credit Crunch and White Collar Credit Card Fraud on the Rise.

                Historically petty and serious crime levels have risen as a result of a recession, which is true of today’s crime figures too. This trend is also translating in to white collar crime too. Increasing credit card fraud levels may well be attributed to the suffering economy. Growing levels of fraud and increasing media coverage to the topic is raising consumers’ interest in fraud prevention and insurance.

                Fraud and Consumer Protection

                Following dramatic increases in UK credit card fraud from 2007 to 2008 of 14% (as reported by APACS – the UK’s Payment Association), fraud / identity theft protection has never been more important. This 14% increase equates to a further £170m in credit cards fraud.

                Best Practice Credit Card Fraud Prevention

                Best practice credit card management relies on more than special credit card deals, and a comprehensive, clearly communicated credit card fraud advice can be USP for credit card companies.

                An example of best practice credit card fraud advice:

                • When you receive a new card, sign it straight away.
                • Never leave your card unattended in public places or “behind the bar”.
                • During a transaction, never let your card out of your sight. In a restaurant or bar, ask the staff to bring the Chip & PIN terminal to you or go with them, rather than letting them take your card.
                • Keep all credit card cheques in a safe place.
                • Do not discard receipts or correspondence that contains personal information or details of your financial affairs in general household waste. Small modestly priced domestic shredders are readily available and their use is recommended.
                • Destroy or shred any unused credit cards and cheques when new ones are received.

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                Allianz Retail has launched two new legal protection products for Allianz Family Resolve and Allianz Pro-Motor Legal Protection which are underwritten by Allianz Legal Protection. The products have been designed to incorporate covers specifically relevant to private motor and household customers.

                The products include a financial package for brokers, access to Allianz’s 24-hour legal advice line, Lawphone, and specific motor or family legal protection cover benefits.

                Allianz Family Resolve can be added to any broker household insurance policy, including the recently launched Allianz Clear range, and covers areas including personal injury, consumer contracts and employment disputes.

                Allianz Pro-Motor Legal Protection can be added to all broker motor policies and covers up to £100,000 in legal costs per claim for the recovery of uninsured losses, including personal injury compensation protecting drivers and their passengers in over 30 European destinations. Pro-Motor also covers claims against the Motor Insurers’ Bureau (MIB).

                Steve Rowley, business development manager, Allianz Legal Protection, said: “We have developed these products to meet the needs of our brokers and their customers. More and more people are aware of their legal rights and are seeking legal advice and access to justice. Being part of Allianz ensures that customers not only receive the highest level of service during their legal claim, but that they can be confident in our financial stability and AA- rating to meet our responsibilities.”

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                The manager of Aviva York John Taylor, 35, and former police officer Stephen Spellacy, 36, were jailed at Leeds Crown Court for defrauding the insurer of £1.4m, according to the York Evening Post.

                John Taylor, an operations manager at Aviva in York, was jailed for five years after pleading guilty to conspiring to defraud the insurance company and conspiracy to launder the proceeds, the Telegraph reports.

                The police officer was jailed for eight year for money laundering and five other men were also jailed today for their parts in the conspiracy to launder the money.

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                  Residents in flood-hit northwest England began returning to their homes Monday but police warned it could take years to recover from the devastation left by the heaviest rainfall on record.

                  Eighteen schools were closed as local authorities struggled to restore basic services across the county of Cumbria, where many areas were cut off at the weekend after swollen rivers brought down bridges and turned roads into canals.

                  All Cumbria’s 1,800 bridges had to be checked after several collapsed, one of them on Friday, taking with it a police officer whose body was later recovered and 16 remained closed on Monday.

                  About 60 people were still sheltering in temporary accommodation, but owners of many of the 900 homes and business affected in the worst-hit town of Cockermouth, on the edge of the Lake District, were being allowed back.

                  Brian Trengove, who part-owns an Indian restaurant in the market town, refused to be rescued from the property when the floods hit Thursday, staying in the flat upstairs and surviving on a “very large pot of curry”.

                  He told the BBC he expected a huge clean-up, saying all food and drink would have to be thrown away, “all the furniture is ruined, I imagine the walls will need replastering, the whole place will need to be rewired.”

                  Police chief Craig Mackey meanwhile warned the “highly unusual” levels of damage caused to infrastructure across the region may take years to repair.

                  “What will distinguish this from many other floodings across the country is the length of time the recovery phase will take. We will be working with our communities for weeks, months, and in some cases years to come,” Mackay said.

                  “It is clear that this was an unprecedented event in terms of the flooding, the level of flooding.”

                  The insurance bill for the floods in Cumbria and southern Scotland was estimated at between 50 million to 100 million pounds (55-110 million euros,

                  82-165 million dollars) by the Association of British Insurers.

                  Treacherous conditions were also seen across other parts of Britain, including in Wales, where the search continued for a 21-year-old woman feared swept away by a swollen river on Saturday evening.

                  Ireland has also seen some of its worst floods in decades, and Prime Minister Brian Cowen was due to visit some of the worst-hit areas in the south, midlands and west of the country.

                  About 18,000 homes and businesses in Cork, Ireland’s second largest city, are expected to be without a water supply all week after one of the main pumping stations was engulfed by flood water.

                  Many schools in the city remained closed, the university has cancelled all lectures and the local council was driven out of their offices by flooding.

                  With AFP, London, Nov 23, 2009

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                  The severe gales blasting the UK pose problems to all road users, not just those in high-sided vehicles, safety experts have warned.

                  With Britain experiencing winds of up to 75mph, motorways are particularly hazardous said the Institute of Advanced Motorists (IAM) – a charity which urges all road users to act more responsibly and safely and campaigns for better driving skills.

                  The car insurance industry is expecting an increase in the number of wind-related claims following the country-wide storms.

                  IAM chief examiner Peter Rodger said: “Strong side winds, rain and potential flooding can challenge even experienced drivers”.

                  He advised car insurance customers driving in high winds to slow down, as higher speeds make vehicles more vulnerable to side winds.

                  Mr Rodger recommended drivers give themselves more space, with plenty of distance between them and the vehicle in front.

                  Drivers should also take particular care when passing large vehicles and motorcycles, Mr Rodger said, and be ready for side winds at gaps in buildings or when coming out of a cutting.

                  “Cyclists are particularly vulnerable to side winds,” he warned.

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                    British companies are failing to take the strategic implications of climate change seriously and are missing out on investment opportunities, a study sponsored by three major UK investors said Monday.

                    Firms are addressing the impact of major climate-linked events, but are neglecting to manage incremental changes or extend their focus into supply chains, raw materials or logistics, the study found.

                    The report comes as climate change takes centre stage ahead of a key conference in Copenhagen next month, where world leaders are expected to lay the groundwork, if not finalise the details, for a successor to the Kyoto treaty.

                    The study — issued by Henderson Global Investors, Insight Investment and the universities pension scheme, USS — found that companies were still adopting a wait-and-see attitude in the hope of a definitive public policy response of the kind now looking fragile for Copenhagen.

                    “We were left with the impression, with the notable exception of the water sector, that climate change adaptation is not yet recognized as a strategic issue warranting board-level attention and oversight,” said the study, conducted with consultant Acclimatise.

                    “We noted that companies continue to see climate change primarily in terms of downside. However, from an investment perspective, climate change may also present opportunities,” the investors said.

                    Investment opportunities may come through investments in companies such as construction firms which build flood defences or producers of sun/rain resistant building cladding, they said.

                    With Reuters

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                      Flood-damaged parts of the UK are bracing themselves for more heavy rain today after two days of downpours that inundated homes, swept away bridges, sparked evacuations and claimed the life of a policeman.

                      Gordon Brown has pledged an extra £1m to help flood-hit communities in Cumbria, which yesterday suffered the worst downpour in British history, with 314mm – more than a foot of rain – falling in 24 hours.

                      Brown announced the funding on a visit to the flood-stricken county where PC Bill Barker died after a bridge collapsed. More than 1,300 households across Cumbria have been affected, with hundreds of people displaced and more than 1,000 homes left without power. About 100 people remain in emergency shelters.

                      A thorough search of houses affected by the flooding began this morning, as the emergency services advised people not to return to their homes yet and forecasters predicted fresh downpours.

                      The Met Office has predicted another 15mm (0.5in) to 40mm (1.6in) of rain in Cumbria today. Four bridges collapsed in the county and 11 remain closed due to fast-flowing floodwaters.

                      There are four severe flood warnings in force in Cumbria and 19 flood warnings across Scotland, northern England, the Midlands and Wales. There are flood watches in another 50 areas.

                      Both rivers that run through Cockermouth – the town worst affected by the flooding – burst their banks, blocking roads and forcing more than 200 people from their homes.

                      A police spokesman said: “Nobody has been reported missing in the area at this time and the rescue effort is being scaled down. “Fewer than 100 people remain in reception centres, with the rest having made alternative arrangements to stay with family and friends.”

                      Ian Rideout, a Red Cross worker, said many of those rescued were suffering from shock. “The centre of Cockermouth looks like it has been completely destroyed. I’ve never seen anything like it. The water has caused so much damage that many of the homes here are completely ruined.

                      “We’ve been working non-stop and between the Red Cross and RNLI we’ve rescued around 200 people from their homes. “Last night I went up in one of the helicopters to get an idea of the full scale of the disaster and where we should focus rescue efforts. Almost straight away we found four people on the roof of their home who needed to be winched to safety. “Most of the people we’ve rescued have been in shock. One minute it’s raining heavily, then the next their home is filling with water and they’re being evacuated by the Red Cross.”

                      People in the town said they were worried that rain forecast for the weekend would bring more problems. Alan Smith said: “The thing with the river Cocker is it can fall as quickly as it can rise.

                      “It’s come down four foot from last night but the fells are sodden and if we get any more rain it will just come straight off and into the river and the level will rise again.

                      “If we have persistent rain like last night and the day before, we will be back to square one.”

                      Julian Mayes, a forecaster with MeteoGroup UK, said: “What happened was at least a one in 500 years event. It was a historic day which broke all records.”

                      Further showers were likely to give river levels a “temporary upward blip” and flood plain areas would remain flooded, he said.

                      The Workington MP, Tony Cunningham, said the flood was “of biblical proportions” and he was astonished by the destruction of the Northside bridge, which led to PC Barker’s death.

                      Cunningham, whose constituency covers Cockermouth, said: “If the floods in Carlisle are anything to go by then people were out of their homes for 10, 11, even 12 months.

                      “There are many broken buildings in Cockermouth but the people are not broken.”

                      At a meeting at Penrith police station in Cumbria, Brown said the government would match the £1m in aid already given by the North West Development Agency.

                      “We will do everything we can to support the local community in its hour of need.”

                      Brown has paid tribute to Barker, calling the policeman “a very brave and heroic man”.

                      Barker, who would have been celebrating his 45th birthday today, was killed as he directed motorists away from the bridge. It collapsed and he was swept away. His body was found on a beach in nearby Allonby.

                      The officer, from Egremont, served with Cumbria police for 25 years and leaves a wife, Hazel, and four children.

                      His wife said her husband was her “forever friend” and “an amazing dad”, adding: “I have the comfort of knowing that Bill died doing the job he loved, and the fact that he was helping others is just typical Bill.”

                      Cumbria police Chief Constable Craig Mackey said Barker was “a wonderful police officer and a real family man”.

                      “Bill is a hero who died saving the lives of others and our thoughts are with his family at this devastating time. He was a much loved friend, colleague and an inspiration to everyone he knew – he will be sadly missed.”