insect ID + advice with flaky bark bonsais

[Lutonian]

Tick Born Encephalitis is in the UK but is very rare and not a significant risk at the moment.
Lyme disease is widespread and a big risk when you're outside a lot.

Seem you are right just been found in U.K in two small areas https://www.gov.uk/government/news/tick-borne-encephalitis-virus-detected-in-ticks-in-the-uk