Britons Heading Off On Holiday With As Much As

Britons Heading Off On Holiday With As Much As £500 Worth Of Unprotected Gadgets

Protect your bubble

London, UK (PRWEB UK) 29 August 2012

New research from specialist gadget insurer Protect your bubble has identified that almost seven in ten (69%) British tourists are woefully underinsured for their gadgets when travelling abroad, believing that their travel or home insurance will safeguard them in case of damage or theft.

The research shows that almost two thirds of all British tourists (64%) take in excess of £250 of gadgets away on holiday with them, with a further 29% claiming to carry more than £500 worth.

However, very few are aware that the majority of the top home contents insurance policies (19 of the most popular 20 policies) do not cover them for taking their gadgets abroad, while some of the most popular travel insurance policies only cover holidaymakers for loss, theft or damage of their gadgets up to a maximum of £50 after the excess has been paid – leaving some unlucky travellers almost £450 out of pocket.

Stephen Ebbett, director of Protect your bubble, comments: “People are making assumptions they are covered without checking the small print. While travel and home contents insurance are crucial, they often do not go far enough to cover items of any significant value.”

More concerning was that the research also revealed that holidaymakers are being particularly flippant with their phones whilst abroad, with 63% claiming they would leave their phone unattended on the beach or pool side if they went swimming.

Exactly half of these people (50%) believe that keeping items under a towel will keep them safe from thieves, while others prefer to bury their gadgets in sand to keep them safe.

Stephen Ebbett, director of, comments: “Forget burying gadgets in the sand, these people are burying their heads in it. It’s crazy to think that hiding your possessions under a towel or in the sand will keep them safe.

“People need to check their individual insurance policies, but most insurers would still deem it negligent by the policy holder, if any gadgets were left unattended on a beach and more than an arm’s reach away. This means that any claims would almost certainly be turned down.

“Imagine a phone was actually a £500 note, which effectively it is. I suspect that not many people would leave it unattended, so why then would you take the same risk with your gadgets?”

Research conducted by independent research agency Atomik Research, which surveyed more than 2000 people in July, 2012.

About Protect Your Bubble

Backed by a Fortune 500 company, Protect your bubble is the UK’s largest mobile phone insurer that also offers a wide range of gadget insurance products, iPhone insurance, Smartphone insurance, iPad insurance, tablet insurance and laptop insurance; all cheap affordable prices.

Related Links:

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Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

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British Insurance New Products – Home, Landlord, Unoccupied Property policies

British Insurance New Products – Home, Landlord, Unoccupied Property policies

(PRWEB) January 30, 2011

Alongside PPI cover, the firm now has policies for people with overseas and UK holiday/second homes, unoccupied properties, those requiring standalone home emergency support and landlords.

British Insurance says its new-look portfolio offers extensive cover and support services, something other providers often charge extra for. For example, there’s a ‘pass the phone’ multi-lingual interpretation service offering 24/7 English-speaking support for overseas home-owners.

People left with the responsibility of managing empty properties on behalf of relatives have much-needed flexibility with the option of three, six, nine or 12 month insurance periods for unoccupied property insurance cover

Those with home emergency cover insurance can be reassured of a response within two hours* to heating system or electrical failures and a team is also on hand to unblock drains, source and repair internal leaks and replace locks and glazing where necessary. Our home emergency cover helps take the stress out of home emergencies by covering important areas of your home against the cost of unexpected emergencies.

The landlord insurance policy covers usual risks – storm, flood, theft, malicious damage, loss of rental income, periods of vacancy, property owners’ liability, leak tracing and access, replacement locks etc, plus offers legal support and accidental damage.

British Insurance has always advocated consumers should easily be able to source and buy any type of insurance and have access to information that allows them to make an informed decision prior to purchase.

Managing Director, Nel Mooy, comments: “BI has a reputation as a reliable, trustworthy, no-nonsense provider of good-value products. As part of the Towergate Partnership, we’re able to offer additional affordable insurance policies and, we feel well placed to tap into our loyal and satisfied customer base.”

She concludes: “Insurers must make their policies easy to understand, accessible and affordable – these latest low-cost additions underline our commitment to do this on a wider scale.”

To view the product range visit

# # #

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, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

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Behind the scenes – Portable Contents Option on SGIO Home Contents Insurance

Behind the scenes on the set of the latest TV campaign by SGIO Insurance. Find out more

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Today Tonight – Home and Contents Insurance Premiums

CANSTAR’s Steve Mickenbecker speaks to Today Tonight about how home and contents insurance premium rises will affect all Australians in the wake of the 2011 …
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Nahai Insurance Services Offers Commercial Property Owners Cost-Saving Real Estate Insurance Tips & Education

Nahai Insurance Services Offers Commercial Property Owners Cost-Saving Real Estate Insurance Tips & Education

Beverly Hills, California (PRWEB) January 28, 2013

Nahai Insurance Services, a full-service relationship-focused independent insurance brokerage and business consultancy, recognizes commercial property owners’ need to find the most affordable, yet reliable real estate insurance available. In efforts to help property owners meet that need, the California-based brokerage is offering some tips and education to help them save on commercial property insurance.

Here’s a glimpse of cost-saving tips Nahai Insurance Services is providing:

    Consider a higher deductible. For most real estate investors, having a higher deductible can create considerable savings on property insurance premiums. Before doing this, consider the level of risk properties are exposed to, such as location, i.e. proximity to crime-ridden areas, or likelihood of major natural disasters. If some properties are more risk-prone than others, consider adjusting the deductibles of each to a comfortable level. And always consult with an independent insurance agent to determine a property’s risk level.

    Insure multiple properties with one company. Owning multiple properties, each with a separate insurance policy or carrier, is not only inconvenient but cost-prohibitive. Bundling those separate policies with one carrier can create savings, as there is usually a discount applied when bundling.

    Invest in premium-reducing improvements. Installing sprinkler and/or alarm systems in all commercial properties may seem like a hefty investment, but when considering the savings it could create in insurance premiums, and even in the safety of occupants, the cost is worthwhile.

Other premium-reducing improvements include: installing fire-resistant interior doors and upgrading plumbing, wiring, and HVAC systems. The construction of a building can also influence premiums. Buildings made out of brick, for example, can be less costly to insure because they are more fireproof.

These are just a few of the cost-saving insurance tips and resources Nahai Insurance Services provides commercial property owners throughout California and other western states. For more information on the services the brokerage provides, call 888-468-7202 or visit

About Nahai Insurance Services

Nahai Insurance Services was established in 1980 as a multi-faceted insurance brokerage, providing comprehensive services in addressing all needs of our individual and business clientele. The scope of our business extends to include risk management, financial consultation, and administrative services, in addition to the placement of risk on a nationwide basis. The firm has grown to become one of the largest brokerages in the region by consistently ranking among firms with the lowest client attrition rates in the industry – many of their original clients remain policyholders 30 years later.

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, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

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Articlesontap Announces New Partnership With QuoteYouToday

Articlesontap Announces New Partnership With QuoteYouToday

(PRWEB) March 10, 2013 is one of the web’s leading business in terms of content management and content creation. They have today announced that they have entered a new partnership with QuoteYouToday, a provider of various types of insurance, including HGV insurance. Through the partnership, ArticlesOnTap will help QuoteYouToday to have a bigger and better web presence. It is hoped that the partnership will be a long and fruitful one.

QuoteYouToday is also a leading provider of unoccupied property insurance. This type of insurance is very beneficial for home owners, including housing associations. Empty properties are considered a high risk for a variety of reasons. Firstly, there is always the risk of squatters. However, with new laws making squatting a domestic property a criminal offense, there are less risks of this happening now. The bigger problem, however, is if something goes wrong with the property itself.

A good example is that during winter time, pipes are at a high risk of bursting because the water in them freezes and expands. In occupied homes, this is avoided because people will switch the heating on and use hot water, thereby reducing the risk of the pipes freezing. However, in an unoccupied property, this is more difficult. Besides the fact that the risk of pipes bursting is far higher, a second problem is that the owner may not realize the problem has occurred until quite some time later. After all, there is nobody inside the property to report that the problem has occurred. Other common problems included infestations of insects or rodents, which can do untold damage to a property.

Unoccupied property insurance is there to make sure that home owners or landlords do not find themselves in a difficult financial situation just because of these problems. If, for instance, they find out that a problem has occurred when they show a property to potential tenants, they may lose out on that tenancy. With unoccupied property insurance, however, they can set the potential tenant’s mind at ease and guarantee that the problem will be fixed before they move in. And because they are insured, they do not have to spend the time to find a contractor that offers the best rate, the insurance company will do all of this for them.

For those interested in unoccupied property insurance, HGV insurance or any other type of insurance, please visit today. Anyone can also telephone them on freephone 0800 308 1222 or on 01625 348 381. Someone from Quote You Today will be more than happy to answer any questions one may have or to assist anyone with setting up the best policy for their specific needs and requirements.

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Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

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Interest In Real Estate IRAs Is Bursting At The Seams At American IRA, LLC, A National Provider Of Self Directed IRAs, What’s All The Fuss About

Interest In Real Estate IRAs Is Bursting At The Seams At American IRA, LLC, A National Provider Of Self Directed IRAs, What’s All The Fuss About

Self-Directed IRAs Give You Control of Your Retirement

Lexington, KY (PRWEB) January 20, 2012

Realtor Mag recently reported that optimism is building in the housing market. American IRA is noticing the increased optimism as they are receiving an overwhelming interest in Real Estate IRAs.

Jim Hitt, CEO of American IRA, explains, “Many people are surprised to learn that you can own real estate – not just REIT shares or other stocks, but actual rocks, soil, brick and timber real estate – within your Individual Retirement Arrangement. The IRA vehicle allows you to realize all the advantages of the IRA – tax deductions, no capital gains taxes, deferral of income tax, asset protection, and in some cases, tax-free income – while allowing you to invest in all types of real estate.”

Self-Directed IRAs

The key to using their IRA to invest in real estate is a special vehicle called the ‘self-directed IRA ,’ sometimes called a “real estate IRA.” With these plans, they take over the role normally played by investment companies, such as brokerage companies, mutual fund houses and insurance companies. Instead, they, or their designated representative, take close control of their IRA.

IRS rules don’t allow them to have possession of the assets directly, however. They can’t have a suitcase of stock certificates next to the pile of oily rags by the furnace in their garage and call that their IRA. Instead, they have to have a third party administrator hold the assets on their behalf. When they select our firm as the administrator of their IRA account, however, they have much more flexibility to invest in what they know than they would with a traditional brokerage or insurance company. If they are a mediocre stock picker but a real estate ace, it makes sense for them to stick to their circle of competence. Our firm lays the administrative foundation, and lets them do what they do best – pick real estate – within their IRA.

Prohibited Transaction Rules

The IRS does place some limits on what they are allowed to do with assets in their IRA:

•They cannot use the property for their own benefit. This means they cannot stay in a rental property, even for a night. Many people make the mistake of thinking they can use the property for up to two weeks for their own benefit without losing the tax advantages of the IRA. It is true that tax rules for rental properties do allow them to stay in their own property for up to two weeks. However, this is not true for real estate within an IRA.

•They cannot buy property directly from their IRA, nor sell directly to it. Nor can their designated beneficiary, nor any of ancestors or descendants or any spouse of an ancestor or descendant. For example, their IRA cannot buy or sell directly to their parents, grandparents or children, nor to their spouses. Furthermore, their IRA cannot buy or sell directly to companies or entities they own or control.

•They cannot have the IRA pay them or their company to manage it, nor provide any product or service to it. They also cannot have their IRA do business directly with companies controlled by them or their family members.

•Their IRA cannot do business directly with any of the professionals who service the account. For example, their CPA or financial planner cannot also be the person repairing the roof on a property owned by their IRA.

•They cannot lend money directly to their IRA, nor borrow from it.

•They cannot borrow money directly from their IRA, nor can they use their IRA to lend to their family members , defined as their children, grandchildren, parents or grandparents and any of their spouses or entities they control. However, siblings, aunts, uncles and cousins may be acceptable.

•They cannot pledge their IRA as collateral for a loan – all debt in the IRA must be non-recourse debt. They cannot sign a personal guarantee on a loan within the IRA.

•They cannot commingle personal funds with funds within IRA accounts . They may, however, partner with themselves and others at the time of acquisition of the asset.

But enough of what they can’t do. Here is what they can do, investing in real estate in a self-directed IRA :

•Contrary to popular belief, they can, in fact, borrow money within their IRA to purchase real estate. It has to be non-recourse financing (terms may vary by lender); however, non-recourse financing and unrelated debt income tax (UDIT) will apply. UDIT is only assessed on the percentage of the profit that relates to borrowed funds. For more information on this topic, see our article on leveraged real estate.

•They can collect rental income, tax-deferred and all the income goes into their retirement account.

•They can own real estate within a Roth IRA and collect rental income, tax free.

•They can sell property within the IRA without having to worry about capital gains taxes.

•They can buy raw land.

•They can buy residential or commercial real estate.

•They can diversify by buying real estate in other countries.

•They can use a tax-deferred exchange inside their IRA to defer UDIT tax.

Mr. Hitt concludes, “If you enjoy real estate, you want the chance to use leverage within your IRA account to fund your retirement, and you are up for acting as a landlord, you should consider using a self-directed IRA to own real estate. This is a great opportunity afforded to us by our government; however, you need to be watchful of a few pitfalls. If you are mindful of those pitfalls, this is a phenomenal tool.”


American IRA, LLC was established in 2004 by James C. Hitt in Asheville, NC.

The mission of American IRA is to provide the highest level of customer service in the self directed retirement industry. Mr. Hitt and his team have grown the company to over $ 250 million in assets under administration by educating the public that their self-directed IRA account can invest in a variety of assets such as real estate, private lending, limited liability companies, precious metals and much more!

To learn more about American IRA, LLC and self-directed IRAs/self-directed Solo 401(k)s, please contact our office at 1-866-7500-IRA(472).

As a self-directed IRA administrator they are a neutral third party. They do not make any recommendations to any person or entity associated with investments of any type (including financial representatives, investment promoters or companies, or employees, agents or representatives associated with these firms ). They are not responsible for and are not bound by any statements, representations, warranties or agreements made by any such person or entity and do not provide any recommendation on the quality profitability or reputability of any investment, individual or company. The term “they” refers to American IRA, located in Asheville, NC.



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, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

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Posted in House Insurance Companies | Tagged , , , , , , , , , , , , , | Leave a comment Adds Liability Protection Information for UK Clubs and Societies Adds Liability Protection Information for UK Clubs and Societies

London, UK (PRWEB) September 13, 2012

The UK information website has just added important new feature content to help clubs and societies understand how and why Public Liability Insurance (PLI) can bring beneficial and necessary protections. provides detailed information and guidance on the importance of Public Liability Protection for individuals and small business.

Regardless of the appearance of potential for accidents on its face, any type of club or society can be subject to unforeseen accidents, damages and illnesses for which they are held liable.

In order to help all types of clubs and organisations understand the specifics of why and how PLI is a necessary protection against injury or damages claims, the information website has just released new informational content that specifically addressing these issues.

“Regardless of function, members or where they meet, any UK club, society or organisation can find itself facing injury or damage claims,” said a representative. “Consequently, its leadership must carefully consider securing a public liability policy to provide a financial safety net to cover costs on its behalf.”

The broadly reaching overview begins by explaining the ways in which every club or society’s responsibilities for safety go beyond attending members. Differing types of environments where clubs may function and the possibilities for damage and injury claims are discussed in detail. “The bottom line is that those with overall responsibility for the running of clubs and societies of any kind have a duty of care that encompasses their members, their place of operation and any people that come in contact with them,” said the representative.

The new content then delves into how clubs and societies can assess the liability cover needed via self-creation of a risk assessment list that looks at all aspects of the organisation. Readers are given an Accidents & Injuries Assessment template for creating their own risk assessment that looks at members, ancillary personnel, the activities and the environments in which the club and its members meet and fulfill club activities. “The nature and length of your ‘risk list’ will understandably be dictated by the types of activities you are involved in providing,” said the representative.

Differing scenarios and types of supplemental insurance that can bolster or supersede PLI in specific scenarios are discussed ranging from Employers Liability insurance, Commercial Vehicle Insurance, Event Insurance and more. The overview concludes by helping clubs, societies and other organisations determine the best approach to finding and ensuring that they have the right public liability insurance policy for sufficient protection against the unforeseen scenario. For more information, please visit


Based in the United Kingdom, provides detailed information and guidance on the importance of Public Liability Cover for individuals and small business owners. Readers will find numerous guides for specific businesses and organisations where they can learn how to choose the level of insurance cover that will provide liability protection should the worst happen. The information website is not affiliated with any insurance company or service and all guides are independently written and fact checked prior to publication.

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Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

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BYOD Saves Money But Increases Risks for Small Businesses

BYOD Saves Money But Increases Risks for Small Businesses

CHICAGO, Ill. (PRWEB) February 05, 2013

Running a small business involves constant cost-benefit analysis. Each minute and dollar spent is one that must yield additional returns. That’s why it’s often easy to get roped into the latest technology fad that promises convenience and cost savings. TechInsurance, the nation’s leading online insurance provider for information technology businesses, has seen a notable increase in cyber liability coverage from small and micro businesses exploring bring-your-own-device (BYOD) approval, which empower employees to use their personal devices – from smartphones to tablets and laptops – for work and at work.

In a CDW survey of small businesses released in October 2012, 89 percent of IT managers said employees were embracing BYOD approval and using personal, non-company issued mobile devices for work. Yet just half of those IT managers thought their business had an effective strategy to deal with these devices.

“Small and micro businesses are particularly vulnerable to the challenges that arise from BYOD,” said Ted Devine, chief executive officer of TechInsurance. “Without a technology department to effectively manage these devices, small and micro business owners need to ensure their insurance coverage is comprehensive and protects against risks of data loss, viruses, and malware on non-company devices.”

TechInsurance recommends that small and micro businesses update their insurance coverage to include the following, which are part of TechInsurance’s suite of products:

    Cyber Liability Insurance: Mobile devices are particularly vulnerable to malware and hackers, who often look for the path of least resistance. Cyber Liability coverage protects against expenses and liability from the theft or loss of data and/or breach of data security and privacy.
    Errors and Omissions Insurance: This type of coverage protects your business from claims that you or one of your employees was negligent in carrying out professional duties. If, for instance, loss or theft of a mobile device resulted in exposure of customer data or inability to complete a time-sensitive project, Errors and Omissions Insurance would protect against related expenses and liability.

In addition to insurance coverage, formal BYOD guidelines should be accompanied by employee education and a thorough set of standards on how to handle company information. “Business owners cannot assume that because they have ceded responsibility for purchasing devices that they hold no responsibility for how those devices are used,” Devine notes. “Quite the opposite, both in practice and in terms of business liability.”

TechInsurance gives small and micro businesses access to the nation’s most respected, A-rated business insurance carriers as well as licensed insurance agents trained to identify the best possible insurance products to meet their needs. For more information on TechInsurance’s offerings, please visit

About TechInsurance

TechInsurance is a web-based e-agent that offers IT businesses and professionals fast, easy, one-stop shopping for all their Commercial Property Insurance and liability needs. TechInsurance was founded in 1997 in response to the difficulty IT services firms had finding high-quality, affordable business insurance. With more than 51,000 businesses insured since 1997, the company has grown to become America’s leading online provider of business and professional insurance for computer consulting, web services companies, and other IT service businesses. For information, visit

Vocus©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

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American Integrity Insurance Company Partners with IVANS

American Integrity Insurance Company Partners with IVANS

Tampa, FL (PRWEB) November 05, 2012

IVANS, Inc. announced today that American Integrity Insurance Company has automated its agent communication and download functionality using the IVANS Insurance Carrier Exchange (ICE) platform. American Integrity is taking advantage of IVANS ability to create a comprehensive extract file of data to be sent to its agents which improves operational efficiencies and drastically reduces underwriting error.

IVANS Common Extract Services ties into the American Integrity’s database and builds an extract file used for daily download purposes. The program runs parallel to American Integrity’s system where new business, policy changes and all other underwriting transactions take place.

“The process is pretty straight forward and it now all runs in our environment so that we have full control over the download process,” said Amanda Neumann from American Integrity.

Robert Ritchie, President & CEO was impressed with IVANS ease of use for American Integrity’s independent agent network. “With the importance that American Integrity puts on establishing a great working relationship with our independent agents, it was important to get this functionality implemented as quickly as possible, especially with our upcoming policy acquisition from Citizens Property Insurance Corporation. We are very pleased with the efforts of IVANS to get this done.”

IVANS was an obvious choice because of its experience and the overall number of download projects/ implementations that it handles annually (over 70). IVANS staff has extensive experience in mapping field data according to ACORD standards and making any necessary scripting changes that are required.

About American Integrity

American Integrity is a Florida-only residential property insurance company. American Integrity Insurance is committed to providing value-added innovative products while providing outstanding customer service to Floridians.

Our mission is to stand behind our core values and provide customers peace of mind with products and services. American Integrity Insurance Company is based out of Tampa, Fla. For more information, visit


For nearly 30 years IVANS, Inc. has been the largest insurance data exchange in the United States that is trusted by more than 350 insurance carrier customers and 30,000 independent agents nationwide. The Company’s vision is to expand its advanced managed communication platform between industry partners by building enhancements and new services through IVANS Carrier Exchange (ICE) platform. Known for being a forerunner of ACORD standards with numerous ACORD awards and five ACE Certified recipients, IVANS focus on agency-company interface solutions includes AL3 based policy and claims download, and XML real-time quote, issue and service transactions. IVANS, which was founded by 21 insurance companies and is headquartered in Stamford, Conn., also has offices in Tampa, Fla. and Cincinnati, Ohio. For more information, visit

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Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

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