On average, we Brits spend over two and a half hours online on our smartphones every day. We use it to schedule our work or social calendar, tell us the time or keep in touch with family and friends. Indispensable for modern life, it’s bad enough when you run out of battery. So the thought of losing our phone, or it breaking, is enough to bring many of us out in a cold sweat.

Have you winced at the photos online showing an iPad being used as a chopping board? Whether it’s a Pro or Mini, most of us reach for our iPad every day. From work to play, we use it for everything from staying in the social loop to watching movies – but hopefully never for preparing vegetables…

If you’re one of the thousands of lucky people to own a holiday home in the UK or abroad, you’ll know that it is as vulnerable to risks like fire, flood and theft as your main property. For peace of mind, holiday home insurance is a must-have. If you also let out your property to paying guests, there are extra insurance options that need to be considered.