Britain's insurers are preparing to pay out hundreds of millions of pounds in claims following a run of winter storms that have flooded homes and disrupted travel, though the absence of major damage should limit the impact on their 2013 results.

The Farmers Almanac predicts one of the worst winters ever. Learn tips for protecting the home against damages associated with the season

Lockton breaks down the risks and coverages associated with Ralphie Parker's pursuit of the perfect Christmas gift: a Red Ryder carbine-action, two hundred shot Range Model air rifle with a compass in the stock and this thing which tells time.

Meet your new co-driver: telematics.