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Commuters typically carry £3,800 worth of gadgets

Gadget-loving commuters are carrying over £3,800 worth of technology to and from work, according to new research from esure.

The typical commuter bag or briefcase is likely to contain electronic kit worth £593 more than two years ago, including costly smartphones, laptops, e-readers and MP3 players.

With over 35% of Britons considering buying an iPad 2 this year, the cost of the commuter bag looks set to rise even further.

The research also indicates that 46% of commuters lug a company or personal laptop around with them, with the proportion rising to 56% in London.

However, more than half of all respondents were not sure whether their personal belongings insurance covered the cost of the gadgets they regularly carry to and from the workplace.

Commenting on the findings, esure’s head of home underwriting, Nikki Sellers, says: “Brits are now inadvertently carrying around a treasure trove of digital devices for both work and pleasure.”


How to Secure a Static Caravan

A static caravan can provide the perfect getaway, giving you the ultimate holiday home that you can escape to whenever the feeling hits. The only problem could be keeping it safe and secure when youre not there. Its a lot more susceptible to vandalism, accidental damage and even threats from the good old British weather than a traditional bricks and mortar holiday home, so just how can you go about properly securing a static caravan?

The first thing you need to do is choose the right plot. Its not the best idea to be too close to trees, just in case their branches (or even the trees themselves) fall down during a particularly violent storm.

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Safety Features Can Add Savings to Car Insurance Premiums

The world has become a very unsafe place. Many people are involved in car accidents every day in the United States. This is because Americans are always in a hurry and often are running late so they drive over the speed limit and end up causing car accidents to occur. Often drivers become distracted by ringing cell phones, songs on the radio, and people talking to them in the passenger seat which leads to serious accidents.

Many states now have laws that ban texting or talking on the phone while driving. However, many drivers now use Bluetooth devices which free up their hands and are legal but can still distract the driver. Cars are made safer now than they were forty or fifty years ago.

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Travel to Remote Areas

When taking part in an expedition, a trek or a voluntary project in a remote area you need to consider a few extra safety precautions. Make sure you are well prepared for your trip by finding out about the climate, the environment you’ll be travelling in, and what immunizations you need.

Find out where to access your nearest medical support. You may have an expedition nurse traveling with you if you are taking part in an organized expedition, but if you are traveling independently you should know the location of your nearest doctor. Make sure you know first aid before you travel and what to do in an emergency, and take a first aid kit.

Here more than anywhere is where you need to purchase international travel insurance. W

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Choosing a Caravan Insurance Company

Trying to insure your caravan is no easy task. Your caravan is your pride and joy so it makes sense that you want to find the right quote, and invariably that all comes down to the company that you decide upon. Its important that you choose carefully because what each company offers can vary widely, so if you dont want to be left disappointed, just how can you choose the right caravan insurance company for your needs?

A lot of the time, it comes down to research. You need to make sure that youve made the right decision, and the only way of knowing that is if you have a look to see whats out there.

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Mishandled Luggage in 2010

Lost or delayed luggage may not be the worst thing that can happen on a vacation, but it is a situation where having a good travel insurnace policy helps.  Most travelers have at least one story that involves lost, damaged or delayed bags.  According to an article from MSNBC, the reported cases of mishandled luggage rose in 2010.

More than 1 percent of airline passengers last year had their luggage go astray and fail to turn up at their arrival airport when they did, the major IT solutions supplier to the air travel industry said Wednesday.

That translated to nearly 12 in every 1,000 passengers.

The figure rose from just over 11 in 1,000, but the trend in the four years since sophisticated baggage-tracking technology was introduced remained sharply down from nearly 19 passengers per thousand in 2007, the Geneva-based SITA said.

The group has issued an annual Baggage Report since 2004, mainly based on lost luggage claims.

The report blamed the climb in the mishandled rate last year partly on a strong increase in the number of airline passengers to 2.44 billion from 2.21 billion in 2009, when airlines were badly hit by the global financial crisis.

When travelers arrive at the destination, but their bags do not, two travel insurance coverage categories can apply.

Baggage delaycoverage will reimburse for essential items during a delay.  Travelers can get a change of clothes, toiletries and other necessities while they are without their luggage.  The delay must last a set amount of time, which will vary from plan to plan.  Also look for per day limits and per person limits.

Baggage & personal items loss coverage can pay for things that are lost, damaged or stolen during the trip.  This benefit normally contains restrictions for items that can be covered and for how much they are covered.  Some plans only cover checked bags, while other plans cover the items throughout the trip.

Always refer to the certificate of insurance for details.

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