PYB Blog

  1. Introducing our New TV Ads for Xmas 2015

    Get ready for Protect Your Bubble, hitting your screens this Christmas!

    We’re back on the small screen this month with three brand new TV ads as none other than comedian and impressionist Alistair McGowan himself steps up to be the voice of Protect Your Bubble!

    Not only will our new set of ads see The Big Impression star join the ranks of The Gadget Show’s Jason Bradbury and tennis legend John McEnroe – who have both featured in  our ads in the past – but they’ll also benefit from top-quality animation. Alvise Avati, who has worked on Avatar, King Kong and Transformers, has now worked his magic to bring our vision to life – and we think it looks great.

    As you can probably tell, we are very proud of the adverts, which were made for us by creative agency Bige Eyes , and we can’t wait for you to see them on the box – something you’ll be able to do from this Christmas Eve.

    Since Christmas is not just an occasion for mince pies and merriment but also the perfect time to give and receive tech, gadgets and shiny new bikes, our exciting new ads focus on Protect Your Bubble’s great value gadget and bicycle insurance policies. In fact, when they air it’ll be the first time our bike insurance has been on TV!

    We can’t wait to hear what you think of our new-look campaigns and – as you’ll see on Christmas Eve – we’ve included the hashtag #BubbleIt in each of the three ads for you to use to get in touch. Of course, if you want to say hi in the meantime we’d love to hear from you over on our Twitter or Facebook pages.

    Have a fantastic Christmas, and remember to insure those gifts!

  2. Spooky Apps

    Halloween Pumpkins

    Halloween is upon us, and if you’re a fan of the scary, gory or downright terrifying, then you’ll more than likely enjoy the range of spooky apps out there at the minute. If you’re not sure of where to start with the multitude of chilling options available, we’ve collected a variety of them for a truly haunting Halloween.


    With TV shows such as The Walking Dead being as popular as they are, zombie-themed apps are all the rage at the minute. For a more suspense-filled type of experience, Zombies, Run! is great for getting the adrenaline pumping, all the while improving your fitness. The exercise app allows you to immerse yourself in a zombie invasion story, while running at your own comfortable pace. The story unfolds including your own music, with the option to include fast-paced chases for a more intense workout. You can use it outdoors or in – there’s nothing like the threat of impending zombies to get you motivated for a run!

    If you’re just looking to get into the spirit of Halloween without the rigorous exercise, with The Walking Dead Dead Yourself app, you can upload an image of yourself and watch as you transform from living, breathing human, to dead, festering zombie in a matter of seconds. You can even add props to the image for a more (un)life-like result.


    For those that are fans of classic horror, iDrakula is sure to be a hit. Cleverly created, this app is a modern version of Bram Stoker’s original novel. Retold mostly through email, voicemail and text, the story is given an eerily familiar platform on which to tell the story of the mysterious Count. Although the app appears to only be available in the US at the minute, it’s certainly one to be aware of. It is available to buy as a book here in the UK though, for those who can’t wait to get stuck in.


    For a more traditional Halloween-themed app, or for those who’d simply rather steer clear of the frightening festivities, try out Pumpkin Carver Plus. With the app, you can still get creative with lots of different pumpkin designs and ideas, without having to worry about cleaning up any remaining orange innards afterwards. The app is also handy if you have young children who’d like to have a go at it too.


    Now, this app certainly is not one for the faint-hearted. True Ghost Stories From Around The World provides a collection of haunting tales from all over the globe. You can submit your own chilling anecdotes, as well as get well and truly freaked-out by the photos, videos and whole library of ghoulish goings-on. Ideal for grown-up Halloween parties, you’re sure to be gripped with fear after hearing these turbulent tales!

  3. Announcing Our £20,000 Competition Winner

    Drum roll please….. and the winner is Stacey Williams

    Protect Your Bubble’s £20,000 competition prize goes to Stacey Williams, 25, from Barrow-in-Furness.

    Stacey, a hairdresser who works part time in a salon, and also does freelance work for weddings in the Cumbria area, lives with her partner Adam, a builder, and their three-year-old son Pharrell.


    Stacey said: “I find it hard to remember the moment I was told I’d won. I know that I went very quiet, and then tried not to swear!

    “I was quite sad I was all on my own when I was told, so I made lots of phone calls afterwards, just so it would all sink in.

    “I’m still in shock now, I don’t quite believe it’s happening. I’ve never won anything in my life – not even a pound on a scratch card.”

    So what does Stacey plan to do with her winnings?

    “First of all I will pay off all my credit card bills. Then, with what’s left over, I’ll be taking my mum and sister on holiday to Turkey. We have family and friends there in a small town called Calis. We usually go and do very little – just rest and relax.”

    A worthy winner, we’re sure you’ll agree. Well done Stacey!

  4. Smartphone Patent Wars – Who Sued Who

    For better or worse, intellectual property disputes have become a major part of smartphone history. The number of smartphone-related patents rises every year: in the USA, they made up one-quarter of total patents granted in 2013.

    Almost every major player in the field has found themselves in court at some point, and some battles have cost companies hundreds of millions in legal fees and payouts. Samsung and Apple finally put one long-running dispute to rest earlier this year – only to follow up by launching another case almost right away.

    As progress marches on, industry juggernauts will keep on knocking heads over who owns the rights to a particular technology, design or idea. We’ve picked out seven leaders in the mobile technology field and examined their roles in the patent wars – as well as zooming in on some of the groundbreaking, innovative and just plain bizarre patents they’ve filed.


    Samsung Patents

    Number of mobile patents filed (1996-2014):


    Samsung is a titan of intellectual property, and the South Korean company is second only to IBM as the holder of the more patents than any company in the world. Last year alone, Samsung received 5,043 patents from the United States Patent and Trademark Office.

    Notable patent battle

    Apple vs Samsung, 2011

    Apple vs Samsung is already the stuff of litigation legend: the three-year clash, which began in 2011, spanned four continents and cost more than a billion dollars. At the root of it was the Galaxy S, a new smartphone by Samsung (an Apple supplier, no less) that appeared to have more than a few features in common with the iPhone, including pinch-to-zoom, shape, icons – even, Apple claimed, the box it came in.

    Following a frosty meeting in Seoul, battle lines were drawn. On April 15th, 2011, Apple sued Samsung, alleging in a 38-page federal complaint that it had “slavishly copied” designs used by the iPhone and iPad. A week later, Samsung counter-sued Apple, alleging that the Cupertino-based company had infringed its patents relating to wireless communications and camera phones.

    Apple sought a whopping $2.5 billion, and the fight went global, spanning ten countries by October 2011. By July 2012, the two companies were involved in more than 50 lawsuits. In August of that year, a jury found Samsung guilty of wilfully infringing five of Apple’s patents, and it was ordered to pay $1.049 billion in damages – although this amount was later halved. This was by no means the end of Apple vs Samsung…

    Innovative patent

    Flexible tablet display

    Patent application number: US D/696693
    Filed: September 2012

    Flexible screens are believed to be the next big thing in display technology, and Samsung is determined not to be left behind. This patent gives a tantalising glimpse of a tablet that can be folded up like a book or a notebook, thanks to its flexible display. Expect to see more of this sort of thing in 2015.

    Weirdest patent

    Widescreen smartphone

    Patent application number: US D/428318
    Filed: July 2012

    Samsung has a staggering number of patents under its belt, but this must be one of the strangest: a smartphone with a 21:9 display, the same aspect ratio used in widescreen TVs. We’re not sure why people would watch widescreen movies on their handset, but Samsung sure seems to think there’s a market there.


    Nokia Patents

    Number of mobile patents filed (1996-2014):


    Nokia is a prolific filer of patents, and is believed to hold nearly a fifth of the standard essential patents for 4G LTE (long-term evolution) technology. In early 2014, the Finnish company settled a months-long intellectual property dispute with HTC, only to immediately forge a patent collaboration agreement with the Taiwanese manufacturer.

    Notable patent battle

    Nokia vs Apple, 2009

    Nokia, whose business had been hurt by the success of the iPhone, filed a lawsuit against Apple in October 2009. The suit accused Apple of infringing on patents including touch interfaces, caller ID, display illumination and 3G and WiFi technology, and demanded royalties on millions of iPhones sold since 2007. Predictably, Apple counter-sued, alleging Nokia had infringed on 13 of its own patents and accusing the Finnish firm of “patent hold-up”.

    The dispute rumbled on until June 2011, when the two companies finally settled in an apparent victory for Nokia. Under the agreement, Apple made an undisclosed one-off payment and ongoing royalties to license some of Nokia’s technologies: although the Cupertino-based firm stressed that these did not include “the majority of the innovations that make the iPhone unique”.

    The outcome had benefits for both companies: while ostensibly a defeat for Apple, it did mean that competitors building Android-based devices would likely have to hand over money to Nokia on a per-unit basis as well, helping to slow the tide of Android’s commoditisation of smartphone technologies. It just goes to show that in the patent wars, you can win even when you lose.

    Innovative patent

    Flexible battery

    Patent application number: US 13/590724
    Filed: August 2013

    This ribbon-like battery, which can be formed into a Swiss roll-like shape, represents one of Nokia’s most groundbreaking patents to date. While flexible smartphones are the most obvious application, Nokia notes in the filing that this innovative battery could be used in gaming devices, music players, notebooks and more.

    Weirdest patent

    Vibrating tattoo

    Patent application number: US 13/231697
    Filed: September 2011

    Nokia takes us all a step closer to a cyberpunk future with this bizarre patent for ferromagnetic tattoos, stamps or sprays that can be applied to the skin and linked with a mobile device. These markings could vibrate to alert users to calls, low battery and appointments – or even serve as a magnetic “fingerprint” to unlock devices.


    Apple Patents

    Number of mobile patents filed (1996-2014):


    Considering its influence on the industry, Apple has a surprisingly slight number of mobile patents. However, history has shown that it’s not afraid to vigorously defend the ones it has – between 2008 and 2010 alone, the company filed more than 350 cases. What’s more, the outcomes of Apple-centric suits often set the bar for the IT industry at large.

    Notable patent battle

    Apple vs Samsung, 2012

    Even while it was still embroiled in the original feud with Samsung, Apple was preparing another lawsuit against the Korean company, this time asserting Samsung’s violation of five Apple patents in many of the Galaxy series of devices. In February 2012 Apple filed a suit seeking $2 billion in damages, and hoped to pave the way for more lawsuits against other Android device-makers.

    In May 2014, Samsung was ordered to pay just shy of $120 million to Apple. While this may sound like a lot, the outcome was actually widely considered a big loss for Apple, probably barely covering its legal bills for the case. Despite this, Samsung has appealed the verdict, which it claims was “unsupported by evidence”, and has said it intends to reduce the amount payable all the way to zero.

    Apple also sought a ban on all US sales of nine Samsung smartphones, which was denied by District Judge Lucy Koh in August 2014. At the time of writing, Apple has vowed to try again in the appeals court, where Samsung’s own appeal of the first trial’s verdict is currently under consideration.

    August 2014 also saw Apple and Samsung agree to drop all their non-US-based litigation – although don’t expect to see the two companies strolling hand in hand any time soon.

    Innovative patent

    iWatch with wireless charging

    Patent application number: US 13/776436
    Filed: February 2013

    Apple has filed many innovative patents, and this is just one of the new devices in the works at Cupertino: an iWatch-style device that features wireless charging circuitry. The filing states that this gadget will also be compatible with wireless payment systems at retailers via, interestingly, an NFC antenna – a technology Apple has traditionally shunned, despite widespread use in high-end Android devices.

    Weirdest patent

    Pneumatic virtual keyboard

    Patent application number: US 12/617172
    Filed: November 2009

    Among Apple’s quirkier patent filings is this yet-to-be-realised description of a system that uses air jets to simulate the feeling of pressing keys – theoretically making a tiny keyboard feel like a big one. Another system would see keys pneumatically pulled away from the user when the typing intention is detected, and the two systems could be used in combination – if this design ever sees the light of day.


    Microsoft Patents

    Number of mobile patents filed (1996-2014):


    Microsoft is no stranger to patents (or litigation), and has long claimed that more than 70% of Android smartphones sold in the US are covered by licensing agreements. In June 2014, China’s Ministry of Commerce revealed that the company indeed owns around 200 patent families that are necessary to produce an Android handset.

    Notable patent battle

    Microsoft vs Motorola, 2010

    One of Microsoft’s biggest patent battles in the sphere didn’t involve infringement or even smartphones per se, but rather the amount Motorola Mobility charged to license standard patents that Microsoft needed for devices like the Xbox 360 and desktop PCs. In 2010, Microsoft filed a breach of contract case against Motorola, which had just demanded a 2.25% royalty rate on all Microsoft products that contained Motorola technology.

    Following a pattern seen in so many patent cases, Motorola responded by suing Microsoft in Germany over a number of products that employed its standards. It won this case in 2012, but Microsoft eventually won the larger battle when in September 2013 a federal jury found Motorola Mobility guilty of failing to license standard patents at a reasonable rate. A few months earlier, Microsoft had been told to pay Motorola $1.8 million a year for the patents, compared to the $4 billion Motorola wanted.

    Microsoft pocketed $14.5 million in damages from the September decision: only half of what it had sought, but the company hailed the victory as one of a “growing list of decisions by regulators and courts telling Google to stop abusing patents”. Google had acquired Motorola Mobility in August 2011.

    Innovative patent

    Dual-screen smartphone

    Patent application number: US 12/639924
    Filed: December 2009

    Although not yet brought to market (and probably never will), Microsoft deserves credit for patenting this interesting idea. It’s a translucent dual-screen smartphone incorporating a front and back display, which can be separated into two parts, allowing one to be held and watched while the other is talked upon.

    Weirdest patent

    Brain lateralisation software development process

    Patent application number: US 11/565495
    Filed: November 2006

    At first glance, this patent looks like everyone’s worst fears are confirmed and Microsoft is trying to patent our very thoughts. On closer inspection, it’s an unusually flimsy attempt to patent a software design process that’s loosely based on the human brain, using an intermediary element to communicate between the “arty” and “logical” teams involved. Not as frightening, but still pretty weird.


    LG Patents

    Number of mobile patents filed (1996-2014):


    Long-time Samsung rival LG is no slouch when it comes to patents, boasting that it held 23% of LTE (long-term evolution) patents for 4G technology in 2012 – more than Nokia – and filed even more applications than Samsung in that year. With the next wave of smartphone litigation battles expected to revolve around 4G, there could be interesting times ahead for the Korean firm.

    Notable patent battle

    LG Display vs Samsung Display, 2012

    LG and Samsung have been in competition for half a century, so it’s no surprise that the two would end up in court over intellectual property. Each firm accused the other of stealing LCD and OLED display technology and poaching key engineers, filing two patent infringement suits each against the other. Tempers have been so frayed that even the Korean government has been forced to step in at times.

    In September 2013, there seemed to be a cooling-off when the two agreed to drop all display litigation and focus on improving competitiveness instead. However, in June 2014 their settlement negotiations stalled, reportedly because Samsung wants to forge a patent cross-licensing deal, and LG doesn’t until certain patent payments are made.

    Korean trade ministers are desperate for LG and Samsung – the world’s number one and number two display panel makers, respectively – to put aside their differences and cooperate to help stem the gains made by Chinese and Taiwanese manufacturers. However, there’s currently no end to the dispute in sight.

    Innovative patent

    Wrist-mounted stylus

    Patent application number: US 13/759802
    Filed: February 2013

    Just when you think LG’s ahead of curve when it comes to wearable tech, we find this application for what appears to be a slap bracelet straight from the 1990s, which doubles up as a flexible stylus for capacitive screens. It’s a pretty clever idea – it’ll stop you from losing your stylus, for one thing – although we’re not sure if the fashion world is ready for it.

    Weirdest patent

    Smart wine reader

    Patent application number: US 12/647,365
    Filed: December 2009

    LG doesn’t just do smartphones and big TVs: it’s also a world leader in wine storage technology, or so this patent application suggests. This is a design for a “mobile terminal” that’s equipped with a camera to scan wine labels and fill you in on any important information – presumably so you can then go and impress your dinner guests with your knowledge of the great Burgundies of ‘49.


    Patent filing figures were sourced from the Chetan Sharma report (p20, fig 7). Numbers are estimated.

    Full Infographic

    Smartphone Patent Dispute Infographic

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    <a href=””><img src=”” alt=”Smartphone Patent Wars by” width=”100%” /></a><p style=”margin:6px 0 12px; text-align:center; font-size:10px;”>Infographic by <a href=”” rel=”nofollow” >Protect Your Bubble</a>
  5. Apple Announces iPhone 6, Apple Watch and Apple Pay

    Apple announces iPhone 6, Watch, and… Pay?

    The wait is finally over, and – despite a few live-streaming technical hiccups – Apple unveiled two brand new devices and an intriguing new service to eager fans on September 9th. The announcement of the iPhone 6 and its bigger brother, the 6 Plus, were no surprise, and even the Apple Watch didn’t raise too many eyebrows – but Tim Cook saved the biggest announcement until last with Apple Pay.

    You can find out all about the specs and features of the iPhone 6 and 6 Plus in our iPhone Timeline, which charts seven years of the iPhone’s evolution. While not a huge amount has changed from the 5S, the new phones boast bigger screens, sleeker profiles, and importantly they’ll come packing the shiny new iOS 8.0. Need to know if it will fit in your pocket? Try our printable full scale iPhone Size Guide.

    Meanwhile, the Apple Watch – which will be sold in a standard model, a sport-focused model and a luxury 18ct gold edition – does everything you’d expect a modern smartwatch to do, including fitness monitoring, text message viewing and hopefully telling the time. More excitingly, the watch is designed to work hand-in-hand with the company’s new “mobile wallet” service, Apple Pay – which means you could soon be paying for your shopping with a flick of the wrist.

    Described as “breakthrough contactless payment technology”, Apple Pay could well be a game-changer. Instead of rifling through your wallet for change or swiping a card, it lets users pay for goods and services simply by holding their iPhone (or Watch) near a contactless reader, initiating a balance transfer instantly and securely. It’s due to launch in the USA in October, though there’s no word yet on when it’s coming to the UK.

    Love them or hate them, Apple’s events are never less than thought-provoking – let us know what you thought of the announcements in the comments!

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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