Up to your knees in festive flood dramas

Right now it's looking more like a wet Christmas than a white one, and households should double check their home and motor insurance policies to make sure they're protected against flooding.

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With Storm Bram bringing Amber weather warnings and heavy rain, it’s a wise time to act, before the water gets through your door.

Matthew Harwood, home insurance expert at confused.com, said autumn and winter are peak periods for home insurance claims and they can run to tens of thousands of pounds.

"Flooding has been the most expensive claim type in the last four years, averaging £69,647," he says.