Reference Library – Scotland – Highlands – Wick

The next WannaCry cyber attack could cost insurers $2.5 billion

Cyber crime insurers largely avoided costly claims from the recent attacks that hit business around the globe. The next global virus could change that. “It’s exceptionally likely that we will see an event over the next months that will seriously affect insurers,” Graeme Newman, chief innovation officer at CFC Underwriting, said in an interview.

“It would only need a combination of WannaCry’s wide reach and Petya’s destructive force to cost cyber insurers something like £2.5 billion, or a full year of gross premium income in the market.” Reckitt Benckiser Group Plc cut its full-year sales forecast on Thursday after a global cyberattack last month disrupted manufacturing and distribution for the maker of Air Wick fresheners and Dettol cleaners. It was the first detailed indication of the financial toll by a major company.

Hackers may learn to develop even more dangerous tools after attacks such as the WannaCry virus in May and the Petya attack that wreaked havoc in Europe in June by freezing access to computers, allowing the attackers to demand ransom to unlock the systems. Those events didn’t result in meaningful insurance claims because they didn’t affect many companies in the U.S., where currently more than 90 percent of the cyber insurance market is located, Newman said.

Growing Market

CFC underwrites approximately £100 million of cyber insurance premiums, making it one of Europe’s biggest sellers of the product, and has sold the coverage since 2000. As a Lloyd’s of London-backed managing general agent, the company underwrites on behalf of other insurers.

The global market for cyber insurance grew to about £3.4 billion in premiums last year and could rise to between £8.5 billion and £10 billion by 2020, reinsurer Munich Re estimates. CFC saw its premiums in the market climb by more than 60 percent last year and Newman expects to match that this year. “Sooner or later we, will see a billion-dollar cyber claim and the insurance market is well positioned to absorb that,” said Thomas Seidl, an analyst at Sanford C.

Bernstein in London. “Everybody has exposure to cyber risks and the best precaution can’t eliminate that, so there is a strong demand for insurance making cyber coverage by far the biggest opportunity for non-life insurers for the next years.”

Biggest Exposure

The largest cyber writers are American International Group Inc., XL Group Ltd., and Chubb Ltd., according to a report by Fitch Ratings. The companies had a combined market share of approximately 40 percent at the end of last year with “over 130 distinct insurance organizations reported writing cyber premiums for the year.”

Low claims, combined with more companies entering the market mean prices for cyber coverage have been falling globally. “It’s still a market where supply by far exceeds demand,” Newman said. “There is no break in supply with new insurers entering the market.” With the market growing rapidly, regulators are concerned that insurers could be taken by surprise.

Insurers writing cyber policies “are expected to introduce measures that reduce the unintended exposure to this risk,” the U.K.’s Prudential Regulation Authority said in a statement on Wednesday.

It said insurers may face payouts from computer related claims from less specific policies such as general liability or property insurance.

“Although we have not yet seen large insurance losses, recent near misses highlight the large systemic potential of malware in a connected world,” said Marta Abramska, associate director in PricewaterhouseCoopers’s cyber insurance practice said. “The regulator expects insurers to fully understand their exposure.”

Now read: Symantec buying Israeli security start-up Fireglass[1]


  1. ^ Symantec buying Israeli security start-up Fireglass (mybroadband.co.za)

Joy as superfast broadband comes to North Swindon

PARTS of North Swindon have finally entered the 21st century, say residents after the successful roll-out of superfast broadband. Following a campaign from locals who have been without access to superfast broadband for several years, BT Openreach is now in the final stages of installing the service in thousands of homes in North Swindon. Damon Bower, the vice-chairman of Haydon Wick[1] Parish Council, praised the resilience of residents who, due to their own efforts, can now enjoy the benefits of superfast broadband.

Coun Bower said: “This has been much needed in North Swindon for years and it’s fantastic that parts of the town have been brought into the 21st century. “Let’s celebrate our community and how it came together with getting the fibre broadband delivered – it was a true team effort.” BT Openreach has been upgrading the Haydon Wick and Blunsdon[2] exchanges, along with a number of street cabinets, in order to enable them to deliver fibre broadband to more homes in North Swindon.

Some residents have previously had broadband speeds as low as 2mb, which makes it impossible to work from home or live stream videos. A spokesman for Openreach said: “More than 5,900 homes and businesses in Haydon Wick can now place an order for superfast broadband as a result of fibre roll-out in the area. “To make this possible our engineers have been working hard to fibre-enable 11 roadside cabinets that serve Haydon Wick and we will shortly be completing work to upgrade the 12th cabinet by the end of this month which will make superfast broadband available to a further 700 properties.

“For a number of other homes and businesses we’re also deploying fibre to the premise technology which will provide access to some of the fastest broadband speeds in the UK. “We’ve currently made this technology available to more than 1,000 properties in Haydon Wick using this method.” However, it is thought that there may still be some who, due to their location, may still miss out on the upgrade.

Swindon Borough Council[3] welcomed the announcement by BT.

A council spokesman said: “When we ran our procurement process to bring superfast broadband to those areas of the borough with poor provision, none of the major fibre broadband providers decided to take part, so it is good to see that the council’s Superfast Swindon project has stimulated the market to provide even more choice for residents.

“The Superfast Swindon scheme has been rolled out to 9,000 residents and businesses so far and will extend to North Swindon in 2017.”


  1. ^ Haydon Wick (www.swindonadvertiser.co.uk)
  2. ^ Blunsdon (www.swindonadvertiser.co.uk)
  3. ^ Swindon Borough Council (www.swindonadvertiser.co.uk)

The best new movies of 2017

We’ve rounded up the biggest new films coming out in 2017 and 2018, including Justice League, Spider-Man: Homecoming, Baby Driver, and Star Wars.

We’ve rounded up some of the best new films coming out in 2017 with their trailers and release dates

By | just now

We’ve rounded up some of the best new films coming out in 2017 with their trailers and release dates, including Thor: Ragnarok, Baby Driver, Dunkirk, and more. And if you want to grab tickets for any of the films, check out our guide to buying cheap cinema tickets in the UK[2]. Last updated with the latest trailer for Coco[3].

The Mummy

The Mummy release date: 9 June 2017

Starring: Tom Cruise, Sofia Boutella, Russell Crowe

What we know: Tom Cruise is pitted against an angry Egyptian mummy in the first film in Universal’s new attempt to kick off a shared monster universe (think: Dracula, the Wolfman etc.). We’re still not entirely convinced we actually want or need a shared universe for the classic horror baddies, but The Mummy does at least look like it could be fun, and feature Tom Cruise at his Tom Cruiseiest.
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Transformers: The Last Knight

Transformers: The Last Knight release date: 23 June 2017

Starring: Mark Wahlberg, Anthony Hopkins, Josh Duhamel, John Goodman

What we know: Come on, you know the drill by now. They’re robots, but they’re also cars, and stuff is going to explode. Optimus Prime has a sword now, and for some reason Anthony Hopkins is in it, but otherwise this is probably business as usual.

You already know if you care or not, and nothing we say is going to change your mind, so just go ahead and watch the trailer.
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Baby Driver

Baby Driver release date: 28 June 2017

Starring: Ansel Elgort, Jamie Foxx, Jon Hamm, Kevin Spacey, Lily James What we know: There’s a brand-new Edgar Wright movie on the way this summer, but we’re afraid that Simon Pegg and Nick Frost are nowhere to be seen.

Instead, this original film follows Ansel Elgort (of The Fault in Our Stars fame) as ‘Baby’, getaway driver extraordinaire, who somehow gets dragged in for one… last… heist. It looks a lot like Drive stripped of the neon and injected with a lot of humour, but that’s no bad thing.
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Despicable Me 3

Despicable Me 3 release date: 30 June 2017

Starring: Steve Carell, Kristen Wiig, Russell Brand, Steve Coogan

What we know: Steve Carell’s lovable supervillain Gru is up against his greatest threat yet: the ’80s personified, in the form of obnoxious former-child-star-turned-evil-mastermind Balthazar Bratt. More importantly, the return of Despicable Me means another summer dominated by the ubiquitous minions, which is either the best news you’ve had all year or the final confirmation that 2017 is as doomed as 2016 was.
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Spider-Man: Homecoming

Spider-Man: Homecoming release date: 7 July 2017

Starring: Tom Holland, Robert Downey Jr., Zendaya, Marisa Tomei, Michael Keaton

What we know: Apparently stealing the show in last year’s Captain America: Civil War wasn’t enough for Tom Holland’s Spider-Man, who’s coming back in his own solo outing this summer. Not that he’s entirely solo, of course – a certain armoured Avenger is making an appearance – but stopping Michael Keaton’s Vulture is still going to fall squarely on the teenage webslinger’s shoulders. Is this enough to overcome audiences’ Spidey fatigue, or are the disappointing Amazing Spider-Man films still too fresh in our minds?

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Cars 3

Cars 3 release date: 14 July 2017

Starring: Owen Wilson, Armie Hammer What we know: Pixar’s most lucrative franchise (seriously, Cars toys sell like crazy) is back for a third outing (fourth if you count spin-off Planes), no doubt sparking a fresh round of criticism that Pixar is selling out to sequelitis. Still, the animation powerhouse hasn’t actually made a bad film yet, so we’re finding it difficult to worry too much – not least because we’ve still got the Dia de los Muertos-inspired Coco to come later in the year.

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War for the Planet of the Apes

War for the Planet of the Apes release date: 14 July 2017

Starring: Andy Serkis, Woody Harrelson, Judy Greer What we know: The planet of the apes has risen and dawned, and now it’s apparently time for war. Andy Serkis is back doing what he does best in motion capture, as the apes and humans devolve into all-out bloodshed.

Of course, we all know roughly how things are going to end up, but it should be fun to see how it gets there.
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Dunkirk release date: 21 July 2017

Starring: Tom Hardy, Cillian Murphy, Mark Rylance, Kenneth Branagh What we know: After a few years of playing around with Batman, dreams, and spaceships, Christopher Nolan is back in more grounded territory with his next film: World War Two drama Dunkirk.

It will focus on the Dunkirk evacuation, an operation in which almost 340,000 Allied soldiers were rescued from a French beach, thanks in part to a flotilla of hundreds of civilian ships recruited for the emergency operation. The trailers look suitably gruelling so far, and Nolan is usually reliable, but fair warning: this features the acting debut of One Direction’s Harry Styles, so please do bear that in mind.
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The Dark Tower

The Dark Tower release date: 4 August 2017

Starring: Idris Elba, Matthew McConaughey, Jackie Earle Haley, Abbey Lee

What we know: Idris Elba is the gunslinger Roland Deschain in this adaptation of the first of Stephen King’s epic seven-part sci-fi/fantasy/western book series. The books are arguably King’s most ambitious ever, delving into multiple dimensions and even breaking the fourth wall, and we have no idea how the films are going to cope as they go on – but we can’t wait to find out.
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Valerian and the City of a Thousand Planets

Valerian and the City of a Thousand Planets release date: 4 August 2017

Starring: Cara Delevingne, Dane DeHaan, Ethan Hawke, Rihanna

What we know: Director Luc Besson returns with what looks to be a spiritual sequel to his most controversial film: The Fifth Element (one of our favourite sci-fi films[4]). Based on a French comic, Valerian is a visually extraordinary sci-fi spectacle, teeming with alien races and trippy effects. If it’s anything like The Fifth Element, it probably won’t take itself too seriously, though the latest trailer shows it might have a slightly more serious side, and reveals some of the fate-of-the-universe plot.

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Atomic Blonde

Atomic Blonde release date: 11 August 2017

Starring: Charlize Theron, Sofia Boutella, James McAvoy, John Goodman, Toby Jones What we know: Charlize Theron is the titular blonde: a British spy sent to track down a double agent in Berlin just before the fall of the infamous wall. It basically looks like what you’d get if you transported a gender-swapped John Wick to the ’80s, and we honestly can’t think of much higher praise than that.

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It release date: 8 September 2017

Starring: Bill Skarsg?rd What we know: The second big Stephen King adaptation this year is one of his biggest (and scariest) books: It. Bill Skarsg?rd is stepping into the oversized shoes of Pennywise the clown, ready to inspire a whole new generation of coulrophobics, as he hunts a group of kids in a sleepy Maine town, only to return 30 years later to face them as adults. The first trailer looks suitably terrifying, so we’ve got high hopes for this.

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Kingsman: The Golden Circle

Kingsman: The Golden Circle release date: 29 September 2017

Starring: Taron Egerton, Colin Firth, Mark Strong, Julianne Moore, Channing Tatum What we know: Matthew Vaughn’s spy spoof Kingsman: The Secret Service has spawned a sequel, which promises even more gadgets, snappy suits, and underdressed women. The big change this time around is the introduction of an equivalent American agency, Statesman, which boasts Channing Tatum, Halle Berry, and Jeff Bridges among its ranks.

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Blade Runner 2049

Blade Runner 2049 release date: 6 October 2017

Starring: Ryan Gosling, Harrison Ford, Jared Leto What we know: Filming a sequel to sci-fi classic[5] Blade Runner 35 years after the fact can’t be an easy task, but at least with Harrison Ford returning as Deckard and original director Ridley Scott back as a producer, Blade Runner 2049 can claim a certain amount of legitimacy. Arrival’s Denis Villeneuve is calling the shots this time, with Ryan Gosling co-starring alongside Ford, and the first full trailer builds on that considerable star power together with some pretty stunning visuals.

We don’t know if we need a sequel to Blade Runner, but we can’t imagine one ever looking much better than this does.
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Thor: Ragnarok

Thor: Ragnarok release date: 27 October 2017

Starring: Chris Hemsworth, Mark Ruffalo, Cate Blanchett, Tom Hiddleston, Jeff Goldblum What we know: Marvel’s God of Thunder is back in his third (and potentially final) solo film, and this time he’s up against the Norse apocalypse.

First though, he’ll have to survive a gladiatorial arena that pits him against former teammate The Hulk. Thor: The Dark World was a bit of a disappointment, but new director Taika Waititi brings some very strong comedic chops with him, and the early pitch of a Thor/Hulk buddy movie is easily enough to get us excited. The first trailer gives a glimpse of the glittery sci-fi mayhem we can expect (including a very made-up Jeff Goldblum), and while we wait for it to come out you can find out what Thor’s been up to in Team Thor[6], the two parts of which you can watch in full on the Civil War[7] and Doctor Strange[8] Blu-rays.

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Paddington 2

Paddington 2 release date: 10 November 2017

Starring: Ben Whishaw, Peter Capaldi, Hugh Grant, Hugh Bonneville, Sally Hawkins What we know: The first Paddington was an absolute delight from start to finish (we rated it one of the best family films ever[9]), and we can only hope the sequel offers more of the same. This time around, everyone’s favourite bear from deepest, darkest Peru is entering the working world to save up for a present for his Aunt Lucy, and no doubt everything will go charmingly wrong.

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Justice League

Justice League release date: 17 November 2017

Starring: Ben Affleck, Henry Cavill, Gal Gadot, Jason Momoa, Ezra Miller, Ray Fisher What we know: Newcomers Aquaman, The Flash, and Cyborg join together with Batman, Superman, and Wonder Woman to tackle a new apocalyptic threat in DC’s Avengers alternative. While the company’s superhero epics have been box office hits, up until Wonder Woman they hadn’t wowed critics – or fans – and Justice League will have to pull out all the stops to impress.

Fortunately, director Zack Snyder has promised a lighter tone than his grimdark Batman v Superman, and the first trailer even includes a few genuine jokes, while reshoots from Joss Whedon could add more. Could this be the DC movie we’ve all been waiting for?
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Coco release date: 8 December 2017

Starring: Gael Garc?a Bernal, Benjamin Bratt, Anthony Gonzalez

What we know: Pixar’s latest entirely original film takes its inspiration from D?a de los Muertos (aka the Day of the Dead), and promises to have an entirely Mexican cast. It boasts one of Pixar’s best directors, so we’re expecting stunning animation, a lot of laughs, and to be left in floods and floods of tears by the end, while the first trailer sets up some strong musical themes and the adorably manic pup Dante.
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Star Wars Episode VIII: The Last Jedi

Star Wars Episode VIII: The Last Jedi release date: 15 December 2017

Starring: Daisy Ridley, John Boyega, Oscar Isaac, Adam Driver, Mark Hamill, Carrie Fisher

What we know: After last year’s excellent standalone film Rogue One[10], Star Wars is going back to more familiar territory this December with a follow-up to The Force Awakens. Director Rian Johnson has promised it will pick up immediately where that film left off – meaning we might finally actually hear Luke Skywalker say something – while Adam Driver will be back as the wonderfully impetuous Kylo Ren. Still, none of that can make up for the fact that this will be our last ever film with Carrie Fisher as Princess (now General) Leia.

You’ll find us bawling in the back row.
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Early Man

Early Man release date: 26 January 2018

Starring: Eddie Redmayne, Tom Hiddleston, Maisie Williams, Timothy Spall What we know: The latest film from Wallace & Gromit and Chicken Run creator Nick Park is taking us back to the Stone Age as Eddie Redmayne’s Dug has to lead his tribe to victory against some local Bronze Age upstarts.

It’s an Aardman animation, so expect over-sized teeth, wacky animals, and oodles of slapstick humour – something the teaser trailer delivers in spades:
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Deadpool 2

Deadpool 2 release date: 1 June 2018

Starring: Ryan Reynolds, Morena Baccarin What we know: Ryan Reynolds is back as the Merc with a Mouth in the sequel to 2016’s surprise R-rated hit.

We barely know anything about the film, and there’s no trailer yet, but what we do have is a short teaser released alongside Logan, the latest Wolverine movie.

It’s a look at Deadpool’s own take on a superhero staple, which goes predictably awry.

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  1. ^ (www.pcadvisor.co.uk)
  2. ^ buying cheap cinema tickets in the UK (www.pcadvisor.co.uk)
  3. ^ Coco (www.pcadvisor.co.uk)
  4. ^ favourite sci-fi films (www.pcadvisor.co.uk)
  5. ^ sci-fi classic (www.pcadvisor.co.uk)
  6. ^ Team Thor (www.youtube.com)
  7. ^ Civil War (amzn.to)
  8. ^ Doctor Strange (amzn.to)
  9. ^ best family films ever (www.pcadvisor.co.uk)
  10. ^ standalone film Rogue One (www.pcadvisor.co.uk)