From shopping for gifts to connecting with loved ones on social media, we may be more active online in the lead up to Christmas.
But did you know that the festive period is also a prime opportunity for cybercriminals to take advantage of the busy online environment?
Here’s how to stay secure over the Christmas and New Year’s period.
Common Christmas scams
During the holidays, cyber threats are heightened as more people are shopping, booking holidays and communicating with each other online.
If you’re online, then these are the key threats to look out for:
Phishing scams: These are fraudulent emails or messages that try to steal your personal and financial information. Watch out for fake Royal Mail or UPS emails for those last-minute presents
Fake websites and ads: Misleading sites and adverts designed to trick you into buying online or revealing sensitive information
Malware and ransomware: Malicious software that can infect your devices, leading to data breaches or taking money
Social media scams: Fake giveaways and impersonations that aim to gather personal details
Making sure you’re aware of these threats is the first step in protecting yourself.
Essential tips for staying safe online at Christmas
Shop on reputable websites
Only buy from well-known and trusted retailers. Look for the padlock symbol and ’https://’ in the URL to make sure the site is secure.
Be cautious with emails and links
Be wary of unsolicited emails and messages, especially those offering deals that seem too good to be true. Check the sender and avoid clicking on suspicious links.
Use strong and unique passwords
Ensure your passwords are complex and unique for each account. A password manager can help you keep track of them securely.
Enable two-factor authentication (2FA)
Add an extra layer of security to your accounts by enabling 2FA. This means that a second form of verification, such as a code sent to your phone, is added to make it harder for cybercriminals to gain access.
Update your devices
Keep your operating systems, apps and security software up to date to protect your devices against the latest threats.
Use secure payment methods
Credit cards can be safer to use than debit cards for online shopping, as they offer better fraud protection. You could consider using secure payment services like PayPal, too.
Avoid public Wi-Fi for sensitive transactions
Public Wi-Fi networks aren’t always secure. Use a VPN if you need to make transactions or access sensitive information on public networks.
Back up your data
Regularly back up important data to an external drive or cloud storage to protect yourself from potential data loss caused by cyber attacks.
Monitor your accounts
Frequently check your bank and credit card statements for any unusual activity. Spotting any fraudulent transactions early can help prevent further damage.
How to protect your social media presence
Social media activity tends to spike during the Christmas period as people share festive moments and connect with friends and family. To protect yourself online:
Review privacy settings: Make sure your social media accounts are set to private and review who can see your posts
Limit sharing personal information: Avoid posting sensitive information such as your address, travel plans, or details that could be used for identity theft
Be wary of giveaways and promotions: Check that social media giveaways and promotions are legit before taking part. Scammers often use these tactics to gather personal information
How to secure your holiday communications
Many of us use video calls and messaging apps to stay in touch with loved ones at Christmas. Stay safe by:
Using trusted platforms: Stick to well-known, secure communication platforms
Enabling encryption: Ensure your messaging and video call apps use end-to-end encryption to protect your conversations from eavesdroppers
Being mindful of phishing attempts: Be cautious of unexpected links or attachments sent through messaging apps
By following these tips, you can protect your online presence and enjoy a secure Christmas and New Year.
If you want to report a scam, head to the official GOV webpage for resources.
Admiral’s Personal Cyber and Identity Theft Helpline
If you have Platinum Home Insurance or Family Legal Protection as an add-on with us, you have access to our Personal Cyber and Identity Theft Helpline.
This helpline can be used to get support and advice from experienced fraud and cyber specialists if you’ve fallen victim to things like:
- identity theft
- fraudulent fund transfer
- cyber extortion
- financial loss
- breach of personal information
- cyber bullying
The helpline can help you with a range of things, including:
- documenting evidence and filling reports
- notifying authorities and liaising with banks and financial service providers
- securing accounts and helping with password changes
- giving advice on protection
- working out if data back-ups are available
Our cyber specialists will also give you advice on how to protect yourself from any future attacks.
To see if you have access to it, check your cover in MyAccount.
