Provided by: RS Risk Solutions

Life
Online Shopping Safety Tips
Online shopping is popular for its convenience, ease of comparison and expansive options. Unfortunately, shopping online can also leave you vulnerable to certain cyber-crimes, such as identity theft and malware. Online security is essential to ensure your personal and financial information remains private. Safe internet day takes place on the 6th February 2024, so this quarter is the perfect time to make sure you’re staying safe online.
In celebration of Safe Internet Day, consider the following strategies to stay safe while shopping online.
• Be wary of links. Some texts or emails you receive about online deals may be from fake websites. Don’t click on a link unless it’s from a trusted vendor, as they could contain dangerous malware. Instead, you can search for the link by typing it into your search bar.
• Choose online vendors carefully. These days, it can be difficult to tell if an online website is legitimate. Search for feedback from people or organisations that you trust. Additionally, reputable organisations will share information on their website about how they handle your personal data.
• Use a credit card. Most major credit card organisations have consumer protections in place for online purchases. In certain circumstances, they may even be required to refund you for your purchase. Other online payment options, such as PayPal and Google Pay, can also assist you if there is a payment dispute.
• Do not provide unnecessary details. Although some information may be required to complete your purchase, such as your name and address, you can help keep your data private by sharing as little information as possible. It’s also recommended that you avoid creating an account with online websites if you won’t be a regular shopper.
Contact us today for additional cyber-safety resources.

Home
Safe Home Renovation
Amid the cost-of-living crisis and high mortgage rates, many homeowners have chosen to delay and plans to move, instead choosing to make improvements to their existing homes. Although this can help homeowners save money, home improvement projects (especially DIY) can be dangerous. To keep yourself, your family and your belongings safe, consider the following tips for home renovations:
• Check for structural damage. If the structure of your home is weak or compromised, you’ll need to fix those issues before beginning renovations. Look for signs of structural failure, such as uneven floors and sagging ceilings, and ask a professional building inspector to assess your property.
• Use protective equipment. The correct protective equipment can help keep you safe during renovation projects. Depending on the work you’re doing, you may need a protective work jacket, anti-slip shoes, safety goggles, earplugs and other equipment.
• Work safely at heights. Scaffolding may be needed to keep you safe if you’re working on your roof or exterior. Although you can find scaffolding companies to rent equipment from, it may be safest to hire a professional to do any work from heights.
• Separate your living space. You’ll need to have liveable spaces available while undergoing your home renovations. If you’re planning major home renovations, you may need to make temporary living arrangements, such as staying at a hotel or with a family member.
• Rely on experts. While there is plenty you can do to your home yourself, it’s essential that you understand when to ask for professional help. Use a certified professional for any work you don’t feel confident about and anything involving plumbing or electricity.
• Understand the insurance implications. Larger renovation works may not be covered by home insurance, so it’s worth checking with your insurer before beginning improvements.
Contact us today for further home safety tips and insurance solutions.

Motor
Driving Safely in the Dark

Driving in the dark can be dangerous, especially as its often more difficult to judge the speed and proximity of approaching vehicles. Many drivers also struggle with the glare from the headlights. According to research by RAC, 88% of UK motorists say they get dazzled by other vehicles headlights.
To stay safe while driving in the dark, consider the following tips:
• Ensure front and rear lights are in full working order.
• Do not look directly into the headlights of oncoming vehicles.
• Keep your windscreen clean and ensure your defroster is working correctly.
• Pay extra attention when driving in residential or school areas.
• Watch out for cyclists and animals.
• Never drive when tired.
• Get your eyes checked to ensure you’re seeing well.
• Watch out for potholes in the dark.
• Consider getting a driving instructor to help you feel comfortable driving at night.
Contact us today for further vehicle safety guidance.