PYB Blog

  1. Apple iPhone SE launch

    Apple iPhone SE launch 


    Last night (21st March) Apple launched its latest iPhone. Perhaps not the most exciting of phone launches from the tech giant in recent memory given that there is nothing particularly new about the SE however there are many positives surrounding the iPhone SE. For a start this is Apple’s cheapest ever iPhone which is a positive. Essentially the SE has the shell of an iPhone 5S but the internal organs of the 6S. So why the move back towards a smaller phone when every year phone sizes are getting bigger? well last year Apple sold 40 million iPhone 5S’ and there clearly is still a market for a phone the size of the iPhone 5S.

    So what can you expect from the iPhone SE?

    • The SE features a 4” screen similar to that of the iPhone 5S, however the SE has the same high resolution retina screen which is featured on the 6S.
    • It’s also powered by the iPhone 6S’ A9 chip giving users more power, clearer imagery and longer battery life then the iPhone 5S.
    • The camera has also been beefed up to Apple’s impressive 12 megapixel camera, features the front facing retina flash for perfect selfies as well as the ability to video in crystal clear 4K high definition.
    • Live photos allow you to relive your snaps. Simply tap and hold the screen on your still to see it come to live with movement and hear sound moments before and after your photos were taken
    • The iPhone SE will feature Apple’s latest touch ID offering users increased security and the ability to use Apple pay.
    • The iPhone SE will be available in 4 different colours; Gold, Silver, Rose Gold and Space Grey

    When and how much?

    The SE will be available to order from Thursday (24th March) and will be available to ship from the 31st March so there really isn’t long to wait before the SE will be available to the mass market.

    The 16GB iPhone SE will cost £359 and the 64GB iPhone will be available for £439

  2. How to avoid saddle sores

    How to Avoid Saddle Sores


    First of all the odd saddle sore when riding is inevitable. Your bum isn’t designed to sit on a thin piece of leather. However there is a difference between the odd, manageable saddle sore and feeling like nails are digging into your backside and thighs every time you sit on a bike.

    Get the right saddle and angle

    There is also a difference between having a sore bottom because you find your saddle uncomfortable and actual sore’s, however getting the correct saddle is crucial. Every derriere is different and requires a different saddle! There is a lot of trial and error here but it’s worth putting in the research and time. Pop into your local bike shop if you’ve got one near, they are likely to be able to give you lots of advice and recommendations!

    The second thing you need to do is make sure your saddle is set flat. There is a lot of advice out there that suggests tipping your saddle forwards slightly will improve comfort. Whilst this is generally true it can lead to problems elsewhere such as the knees. A quick fix perhaps if you’re in trouble and need to get home but not something we would ever advise on a permanent basis.

    Padded shorts

    Proper cycling shorts are the first thing you must purchase if you’re planning on getting into cycling or upping your distances. Ill-fitting or worn out cycling shorts are a recipe for chafing and saddle sore’s. You only need to spend a short amount of time in the wrong shorts to understand exactly where we’re coming from here. A well-made and fitted cycling short with the chamois in the right place can really make all the difference! Lastly make sure you leave the underwear off, chamois shorts and briefs (especially cotton) do not go well together.

    It’s always recommended that you take your shorts off as soon as you stop riding and shower. If you can’t shower it’s still worth getting changed into fresh clothes. (anti-bac wipes are ideal in this situation) This will help prevent against harmful bacteria as well as allowing your shorts and body to air out.

    Chamois cream

    Chamois cream can really help but we must stress that it isn’t a fix nor should it be applied by the bucket load. If you’re really struggling with saddle sores the cream isn’t going to fix the problem and you need to address at source. However it is useful in reducing friction and helping to prevent chafing. It’s worth looking for one that has antibacterial properties as this can help prevent infection and sore’s in the first place!

    Rest and recovery + Food

    Lastly and arguably the most important thing you can do is rest. Getting a goodnight’s sleep, particularly if you’re riding for continuous days at a time will not only allow your muscles to recover but also your skin. When you’re tired & warn down your skin is much more susceptible to spots and rashes. By giving the body the rest it requires you should increase your chances of avoiding saddle sores.

    This isn’t the nicest point to end on but it’s worth bearing in mind. If you know there is something that doesn’t agree with you it’s worth making sure you don’t eat said meal before a ride. If you’re already sore you’ve already lost before you’ve started!

  3. Anagram Competition T&Cs

    We’re giving away 5 iPhone docking cradles. One a day for the next 5 days! To win all you need to do is head over to and comment on the pinned post with the name of the gadget we’ve scrambled! Good luck!


    Facebook iPhone bundle competition

    Terms and Conditions




    1. The promotion is open to residents of Great Britain (England, Scotland, Wales and Northern Ireland), Isle of Man and Channel Islands only, excluding employees of the Assurant Direct Limited (the “Promoter”) and their immediate families, agencies of the Promoter, and anyone else professionally connected with this promotion.

    2. This promotion is only open to individuals aged 18 years or over on date of promotion entry.

    3. The promotion begins at 10.00 on 14th March 2016 and closes on the 18th March 2016 British Daylight Saving Time (DST). Any entry received after the closing date and time will not be valid. Proof of sending is not proof of receipt.

    4. Entrants must have access to the internet, an email address and a Facebook account

    5. Entry is free and no purchase is necessary to enter this promotion. A maximum of one entry per day is allowed and a maximum of one prize may be won per household per day.


    How to Enter

    To enter this promotion, visit our Facebook page, and like the post that includes the hashtag #PYBanagrams and reply with the name of the correct gadget that has had it’s letters scrambled

    Liking of any other post during the date range specified above that does not count as an entry

    Entrants must not attempt to enter the promotion using multiple accounts and entrants found to be doing so will be ineligible to participate in the promotion.

    The Prize

    1. There is one winner daily. The prize is 1 ultimate iPhone bundle for the iPhone 6/6S.
    2. The prize is not transferable, cannot be exchanged and has no cash value. It cannot be redeemed by the winner for cash or any other prize. The prize is awarded “as is” with no warranty or guarantee, either express or implied.



    Winner Selection and Notification

    1. The winner will be randomly selected on 21st March 2016 by the Promoter from all of the valid entries submitted during the promotional period in accordance with these terms and conditions.
    2. The Promoter will contact the winners on the 21st March via private message on Facebook.  In all matters, the random selection made by the Promoter shall be final and no correspondence or discussion shall be entered into.
    3. The winner is required to respond to the Facebook private message notification within 48 hours in order to claim the prize. Failure to do so will result in the prize being forfeited and another winner will be selected.
    4. The Promoter reserves the right to ask for evidence of identity and address of the prize winner.
    5. By entering this promotion, entrants will be deemed to have accepted and agreed to be bound by these terms and conditions.
    6. Losing entries will not receive any notification.




    1. The Facebook page, name and county of residence of the prize winner will be available upon request by sending a stamped self-addressed envelope to; Word Jumbler Competition, Protect Your Bubble, Assurant House, 6-12 Victoria Street, Windsor, Berkshire, SL4 1EN after 24th March 2016
    2. The Promoter accepts no responsibility for winner’s failure or inability to attend the dinner, or cancellation by the organisers of the event.
    3. In the event of unforeseen circumstances the Promoter reserves the right to provide alternative prizes of equal or greater value.
    4. By entering, entrants and winners (as applicable) grant Promoter, and their licensees, successors and assigns, the assignable, perpetual, worldwide, fully-paid, irrevocable, non-exclusive license to publish, reproduce, prepare derivative works of, distribute, display, exhibit, transmit, broadcast, televise, digitize, otherwise use, and permit others to use their entry for this Promotion, including the names and likenesses of any persons embodied therein, in any manner, form, or format now or hereinafter created, including on the Internet, and on Promoter social media sites, and for any purpose, including, but not limited to, advertising or promotion of Promoter, all without further consent from or notice or payment to entrant or winner(s). Promoter is under no obligation to make use of the rights granted herein.
    5. The Promoter and its agents will only use personal information supplied by entrants to this promotion for the purposes of administering this promotion, unless consent is received to use such information for any other purpose. All personal data shared by the entrants will be collected in accordance with Promoter’s privacy policy available at
    6. 24. Nothing in these terms shall exclude the liability of the Promoter for death, personal injury, fraud or fraudulent misrepresentation as a result of its negligence or any other liability which may not be excluded by law. The Promoter excludes all other liability to the extent permitted by law and in particular without limitation to the foregoing, the Promoter shall not be liable for any indirect, special or consequential loss nor for loss arising out of matters outside of its control nor for entries lost, delayed or undelivered, nor any liability for technical errors or communication failures in networks and/or internet access.
    7. By participating, each entrant agrees to release, indemnify, discharge and hold harmless Promoter and Facebook, Inc., and each of their respective parents, affiliates, subsidiaries, and advertising and promotion agencies, and the respective officers, directors, shareholders, employees, agents and representatives of the forgoing (collectively, “Released Parties”) from any and all injuries, liability, losses and damages of any kind to persons, including death, or property resulting, in whole or in part, directly or indirectly, from entrant’s participation in the Promotion or any Promotion -related activity, the acceptance, possession, use or misuse of any prize and/or Promoter’s use of the rights granted herein.
    8. The Promoter reserves the right at any time to modify, discontinue (temporary or permanently) this promotion with or without prior notice due to reasons outside its control (including in the case of anticipated, suspected or actual fraud). The decision of the Promoter in all matters under its control is final and binding.
    9. This promotion is in no way sponsored, endorsed or administered by, or associated with Facebook. You understand that you are providing your information to Promoter and not to Facebook. Entrants to this promotion hereby release Facebook from any claim or liability suffered in connection with this promotion
    10. This promotion and these terms and conditions will be governed by English law and any disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.

    Promoter – Assurant Direct Limited trading as Protect your bubble, whose registered office is Assurant House, 6-12 Victoria Street, Windsor, Berkshire, SL4 1EN and whose registered number is 5399683.





    When I was younger, probably around the age of 18 my grandmother, who I was extremely close to and had a lot of respect for, asked me if I had voted in the General Election. In hindsight answering no, because all the political parties seemed the same and were a bit boring, was probably not the best response. What promptly followed was a large degree of outrage from said non-plussed granny, and a lecture on how women a few decades earlier had fought (literally) to give me the right to have a say in my future. I never made that mistake again, and proudly do register my vote every time there is a General Election.

    On a wider, day-to-day note, I have a lot to thank those early foot soldiers of the feminist movement for. Don’t get me wrong – I don’t consider myself a feminist (I think there is still a lot to be said for men being chivalrous), but I must thank those ladies for the opportunities that they helped open for me.  If they hadn’t have fought the good fight perhaps my life would be very different today. I am very proud of the career I have forged myself, happy for the opportunities that I have been given, passionate about my role as wife and mother in my wonderful family unit. I only hope that my 3 year old little girl (and one more on the way) grow up to see that they can be whatever they want to be as long as they work hard for it, and retain their integrity.

    We are very lucky in the United Kingdom – women largely have the ability to choose what they want in life – be it children, a career, to be the eternally single party girl around town. Sure, there’s always room for more equality in terms of pay, progression, etc (not hinting to my bosses of course J), but generally speaking we have freedom. There are still areas in the world where sadly women do not have this basic human right and that is why it’s important we celebrate the progress that has been made, but also to continue to push for greater equality for others globally. On that final note, if you haven’t already and you want to make your voice heard, you can make your pledge for parity at

    Helen Day

    Head of Customer Service Management

  5. Geraint Thomas on Volta ao Algarve success


    So it was the second time that I have raced at the Volta ao Algarve and I managed to win it for the second time. Result! It was different to last years race as going into it this time I was the sole leader in the team. Last year I shared leadership with Richie Porte, so to carry the hopes of the team and to deliver is a great feeling.

    It wasn’t all ‘plain sailing’ as cycling never is. I had a crash early, on stage 2, which was an important day for the overall classification. I wasn’t badly hurt but I landed on my lower back, a similar area to where I fractured my pelvis during the 2013 Tour. That made me a little nervous for a while but I soon realised that it was nothing more than a knock. I’ve certainly had a lot worse! The rest of the stage went well and I ended up 2nd. It was a good boost of confidence as I wasn’t too sure how I’d go, after a big block of training.

    The following stage was a time trial. I have always enjoyed a time trail stage. They are long days though, as they usually include a recon of the course followed by a lot of hanging around waiting to warm up for the race. Everything is planned to the minute from waking up, to eating our breakfast and pre race meal, training, warming up. Our warm ups last around 25mins, we then get off the turbo 10mins before our start time where I’d have a last minute trip to the gents, get my radio sorted, skin suit done up, overshoes and helmet on and roll over to the start. I’ve done so many now, from my track days that it’s almost second nature. The race itself went well, although I had a problem with my bike which meant I couldn’t get my biggest gear, the 11 sprocket on the back wheel. This was a big disadvantage as the final 3-4km were super fast with a strong tailwind. As it happens I managed to limit my loses there and still end up 3rd behind Fabien Cancellara and Tony Martin. This result along with the day before set me up nicely for overall victory. I was 3 seconds behind Tony in 2nd place, with 3rd place a further 17 seconds behind. 

    The 4th stage was a typical sprint stage. We still had some undulations and some wind to deal with but they are generally straight forward. The main goal for days like these is to save as much energy as possible, try to recover from the last couple of day’s efforts and fuel up ready for a big day. The finish is a nervous time as there are often crashes or splits in the peloton where time gaps may occur. It didn’t go exactly to plan, as the race was really heating up and the sprinter’s teams were starting to jostle for position when I punctured. Like when I crashed on stage 2 the boys waited for me and quickly got me back up to the front of the peloton.

    It all came down to the final day of racing, on Sunday. It was 169km and a hard stage with 4 categorised climbs finishing on the top of the final one. Tony was dropped with about 40km to go which meant I was leader on the road and so had to turn my race into more of a defensive game. In the run up to the final climb I was a little nervous. I didn’t feel great but knew if I rode the climb within myself and kept a close eye on Jon Izaggerre who was 2nd place on the road I would win. My team mates put me in the best position to start the climb and then it was just a case of getting to the top. In the end I felt OK and paced it well, finishing 5th on the stage and taking the overall win.

    It was a amazing feeling to win, especially considering the calibre of riders that were there. Contrador and Aru had both won grand tours last year. And there were other good climbers, who had finished on the podium of grand tours like Tibuat Pinot, at the Tour de France and Rigoberto Uran who has twice finished 2nd in the Giro. As my dad says ‘got a few good scalps there’. It’s still early season though and a lot can change but it’s certainly a good morale boost going into a big block of racing from early March to May. I have 3 big one week stage races with Paris Nice, Volta a Catalunya and Tour de Romandie. I’m also doing a few one days with the longest race on the calendar, the 300km race Milan San Remo. My favourite cobbled race the Tour of Flanders and The oldest race on the calendar Liege Bastone Liege. It should be a fun couple of months!

    Geraint Thomas,

    Protect Your Bubble ambassador 

Prices may change. Protect Your Bubble is a trading name of Assurant Direct Limited, a company registered in England and Wales (registration company number 5399683). Assurant Direct Limited is an Appointed Representative of Lifestyle Services Group Limited. Lifestyle Services Group Limited is authorised and regulated by the Financial Conduct Authority under registration number 315245. You can check this on the Financial Services Register at or by calling 0800 111 6768.

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