Those of you renewing your car insurance will have certainly noticed that premiums have been going up appreciably despite nothing changing in your own circumstances. That's because the cost of car repairs and the vehicles themselves have soared in value. 

The cost to your business of a cyber attack is also soaring and new research says that fewer than 10% of SMEs have cyber cover.  Joining Joe to talk about all things insurance is Damian Smith from Campion Insurance Brokers.