It's easy to talk yourself out of spending your hard-earned money on phone insurance – how do you know if you'll ever use it? But a 60% rise in mobile phone thefts in the space of a year has more Brazilians now thinking about splashing out that extra cash for added security.

Trōv is aiming to make insurance more appealing to Gen Yers by ditching complicated policies, instead providing simple and flexible protection through an easy-to-use app. But can it win over a generation of consumers who still see coverage as an optional extra rather than a necessity?

Whether it’s a fridge, toilet brush or car insurance, there are some things in life that people simply need to buy, but which they dislike spending their hard-earned cash on. How can brands harness design, technology and experiences to make these grudge purchases a little less painful?

We increasingly rely on smartphones to supplement our knowledge and store our memories. But with 31% of people running out of space monthly, these digital brains are getting full. By merging device storage with the cloud, can the Nextbit Robin put an end to ‘post deletion stress disorder’?