Don't insulate your plants too soon! A common mistake is packing your palm too quickly - October often has a few cold nights but then it gets rainy again. In 2007 my banana (Musa basjoo) continued to grow until the end of December. In protected gardens you can wait even longer. Wait unil it gets really cold. Otherwise you will 'spoil' your palm and it will become weakened and you will increase the risk of moulds and bugs! See our advice on this subject
and range of winter protection products!