The insurance industry may find a lump of coal in its collective stocking this year, following reports of Grinch-like behaviour.

Warnings of a Christmas blackout came from business associations this week after new regulations and insurance premiums reportedly increased the price of town festive displays to as much as £25,000.

Businesses in various towns have already pulled the plug on holiday lights, while others have appealed to the public to raise funds to help deck the halls.

For those who haven’t yet decided whether they will be naughty or nice this season, it’s not too late. Backchat sees an opportunity for a jolly insurer to make like Santa and save Christmas.