Torrential rain brought the worst flooding for 25 years to parts of Yorkshire and the North East on Sunday. Residents of Mytholmroyd in West Yorkshire, one of the worst affected areas, talked of a "wall of water" sweeping down the streets, lifting several parked cars and dumping them downstream.

By late Monday afternoon McLarens Toplis had been notified of upwards of 300 commercial losses with a total reserve of approximately £15m, with one loss in excess of £1m.

Over the weekend the company's call Centre in Birmingham handled three times its normal workload.

Meanwhile, Crawford has placed an emergency team on stand-by in the aftermath of the earthquake that hit Turkey on Tuesday at 5.40am local time. It is expected that most of the domestic property damage will be uninsured.