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WATCH: Cumbria lad encourages others to get insurance after 260-foot-fall ordeal in Thailand

The mother of a Cumbrian man, who got badly injured in an accident abroad, is urging parents to make sure their sons and daughters are fully insured before they travel alone.

Luke Scott is now back at his home in Wigton, Cumbria, after a 260-foot or 80-metre fall down a waterfall in Thailand.

He had insurance, but as thousands of young people across the region get ready for trips abroad, the message from this family is to make sure they are all fully prepared.

Watch Ryan Dollard's report:

Flood insurance scheme marks first anniversary

Carlisle was badly affected by the floods in December 2015. Credit: Peter Byrne/PA Wire/PA Images

A scheme to help people in high flood risk areas to insure their homes marks its first anniversary today.

Flood Re was developed after insurers said they were no longer prepared to offer universal flood cover.

Much of Cumbria, and the south of Scotland, was devastated by flooding in the Winter of 2015/16.


Insurers to 'work with' flood-damaged sports clubs

Chatsworth Tennis Club. Credit: ITV Border

Insurance companies say they'll work with sports clubs in Carlisle to try to provide cover after the floods.

Several clubs in Carlisle fear they may not be able to get any flood insurance in the future.

Carlisle Rugby and Squash clubs, and Chatsworth Tennis Club, were all badly flooded in December 2015, having previously been flooded ten years earlier.

Insurers are acutely aware that sports clubs need insurance to continue to survive and will work with them to, wherever possible, ensure that they can continue to offer not just flooding insurance but flooding insurance at premiums that their customers can actually afford."

– Malcolm Tarling, Association of British Insurers

Weather takes its toll on homes and cars

2013 did not end well for thousands of homeowners and drivers according to the AA Insurance company.

The majority of home claims were for dislodged tiles or slates, broken windows, dislodged aerials and trees or branches brought down by high winds, as well as flooding.

The Christmas storms resulted in more 1,000 car rescues and 130 car claims. Some of the claims included damage from a flying trampoline and a roof box.

The AA says that a disproportionate number of the vehicles rescued were 4x4's, and that many people had ignored 'road closed' warnings.

I’m concerned that so many drivers are reported to have ignored warnings not to drive down flooded roads, even attempting to drive through deep water covering a closed road.

“Many of those our Special Operations patrols – who have been working flat out over the Christmas period – have rescued have been 4x4 drivers under the misapprehension that their vehicle can cope with anything.

“They discover the hard way that ‘off road’ capability doesn’t include flood water.

“Our own statistics show that nearly three-quarters (70%) of cars stranded in flood water are written-off."

– Simon Douglas, Director, AA Insurance