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Under the weather The effect of climate change on our coastlines is not a just a matter of national concern - integrated coastal management now extends into Europe, reports Helena Russell, in the firs

Getting your beach towel down first on a sunny day is one of the many advantages of living by the coast. But it's not all ice creams and donkey rides - the risk of losing your home to coastal erosion is a real one and it is becoming more and more difficult to persuade insurers to take on such risks.

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