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insurance: lightning storm
Each year in Australia lightning claims up to 10 lives and causes over 100 injuries Up to 80 of those injuries happen when people use fixed telephones during thunderstorms and receive an electric shock, hearing damage, or burns when lightning strikes telephone wires in their area.

Take these precautions during thunderstorms:

 Take action now
check with your local electricity provider for advice on surge protectors and lightning conductors for homes and other buildings

 If caught outdoors
If you hear thunder 10 seconds after a lightning flash, it is only about three kilometres away (just over 1 km per 3 secs). The shorter the time, the closer the lightning, so find shelter urgently as follows:

 seek shelter in a 'hard-top' (metal-bodied) vehicle or solid building but avoid small open structures or fabric tents
 never shelter under small groups of (or single) trees
 if far from shelter, crouch (alone, feet together), preferably in a hollow. Remove metal objects from head/body. Don't lie down flat but avoid being highest object
 if your hair stands on end or you hear 'buzzing' from nearby rocks, fences, etc, move immediately. At night, a blue glow may show if an object is about to be struck
 don't fly kites or model aeroplanes with control wires
 don't handle fishing rods, umbrellas or golf clubs etc
 stay away from metal poles, fences, clothes lines etc
 don't ride horses, bicycles or travel in open vehicles
 if driving, slow down or park away from trees, power lines etc. Stay inside metal-bodied (hard top) vehicles or caravans but don't touch any metal sections
 if swimming, surfing etc, leave the water immediately
 if boating, go ashore to shelter as soon as possible
 be sure the mast and stays of a sailing boat are adequately 'grounded' to the water

If you are indoors
 before the storm arrives, disconnect external aerial and power leads to radios and television sets. Disconnect computer modems and power leads
 draw all curtains and keep clear of windows, electrical appliances, pipes and other metal fixtures (eg don't use the bath, shower, handbasin or laundry/kitchen sinks)
 avoid the use of fixed telephones. In emergencies, make calls brief, (don't touch any metal, brick or concrete) and don't stand bare foot on concrete or tiled floors

First Aid
 apply immediate heart massage and mouth-to-mouth resuscitation (CPR) to lightning victims until medical help arrives and they will have a good chance of survival. (You won't receive a shock from the victim.)

Lightning - Facts and Myths
 when struck, people do not glow or 'fry to a crisp' but the heart and breathing are often affected
 only about 30% of people struck actually die, and the incidence of long-term disability is low, particularly when appropriate first aid is applied promptly
 if your clothes are wet, you are less likely to be seriously injured if struck, as most of the charge will conduct through the wet clothes rather than your body
 average lightning bolts carry a current of 10,000 to 30,000 amps. An average radiator draws 10 amps
 lightning can, and often does, strike more than once in the same place
 worldwide, thunderstorms are producing approximately 6,000 lightning strikes every minute!

This information is brought to you by Emergency Management Australia, a Commonweatlh Government Agency. Neither Reckon Ltd ACN 003 348 730, nor Reckon.com.au Pty Ltd ACN 079 120 568 accepts any responsibility for the completeness or accuracy of such information.