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With the widespread availability of cheap travel insurance, there is no good reason to risk travelling uninsured. There are plenty of accidents that can befall the unlucky traveller abroad, and if you have insurance, these accidents will likely be minor inconveniences - if you don't, they could turn into expensive disasters.

Almost two million travel insurance claims are made every year by people from the UK, ranging from refunds on cancelled flights to the payment of costly medical bills abroad. While a great variety of claims are made, some are much more common than others. Here are the five insurance claims that you are most likely to make while on holiday abroad...

1. Medical Costs

With almost a third of recorded claims involving medical bills, this is by far the most common travel insurance claim. It is also the most expensive, at an average of almost 500 per claim, with insurance in America, Canada and Europe being especially expensive. Medical bills abroad can range from a few hundred pounds for basic treatment and medication to tens of thousands of pounds for helicopter evacuation or emergency repatriation. With prices that high, it is well worth investing in some worldwide travel insurance to cover you wherever you go!

2. Lost Baggage

After the disaster at Heathrow's Terminal 5 on its opening day (where thousands of pieces of luggage were misplaced), people are now much more aware of the risk of lost baggage. It is a common problem for holiday goers; indeed, it is the second most common travel insurance claim. The loss of personal items can be a frustrating inconvenience, but your travel insurance will cover the cost of replacing your lost possessions.

3. Cancellation of Flights

Many people buy their insurance at the last minute, but the threat of cancellation is an important reason to book up your worldwide travel insurance as early as possible - this is the third most frequent travel insurance claim. Whether it is because you have to cancel the holiday yourself due to a family or personal emergency, or because the airline cancels the flight, having cover for this is essential - the average cost of cancellation is just under 400.

4. Travel Delay
If your journey is delayed it can lead to plenty of unforeseen costs, including last minute accommodation and paying for alternate transport, and it is fourth on the list of common travel insurance claims. Worldwide travel insurance can help to cover the costs associated, so next time you are sitting in an airport waiting for a delayed flight, at least you'll know that your insurance is there to ease the cost!

5. Lost or Stolen Money

Cash is all too easy to misplace while on holiday, and is also the main target for pickpockets, casual thieves and conmen. Unsurprisingly, it is the fifth most common travel insurance claim made by UK travellers. A worldwide travel insurance policy typically features cover for the loss of money, so that if your wallet is stolen or misplaced you'll have your cash replaced.

Patrick Chong is the Managing Director of Journey's Travel. Their commercial travel insurance website, Insuremore, offers cheap worldwide travel insurance and offer a quick and easy online claims feature.

If you are an avid gamer that enjoys titles such as Crysis and Call of Duty, then Spore is probably not for you. This game is going to appeal to a wide range of players, possibly the widest range in gaming history. Evolved from the very successful The Sims game, Spore is going to be the ground-breaking game of the year and may possibly become the most played game ever. Spore game designer, Will Wright, has come up with a brilliant concept which is letting you build your very own virtual universe from nothing ... but a spore! As the player comes out of one evolutionary phase, what he, or she, did in the preceding phase will strongly affect how they start in the next phase of the spore game. As you work through each step, the tasks will become increasingly more difficult and so this will definitely be a challenging game.

If you enjoyed The Sims with its interactive game play, building and buying stuff, you are really going to be addicted to this new game. You start out with a single cell organism and it is up to you how you evolve your creatures from the primordial soup. I don't think there is such a thing as an end to this game. Once you have your creature, then there is the tribe you can create. From there you can build a civilization and then on to your very own universe and space. At this level gamers will be able to use tools, like water and terra-forming, to tinker with their universe.

There are countless of creations to be made and shared. Upload your own design and let other spore players use them as well. The creation tools that Spore provides you with are going to give you hours, or days, of fun creating, building and sharing your own universe. This game is going to be hugely popular with female gamers and I predict they will eventually rule the Spore cosmos.

Addicted to Spore already? You can find a selection of Spore starter kits and much more here at Spore Games And if you are really serious about Spore, why not follow the ultimate Spore Blog