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Consumers keen to avoid the hustle and bustle of last-minute Christmas shopping on the high street but concerned that they have left it too late to use their credit cards and buy online have been offered reassurance by swiftcover.com.

According to the insurance provider, there is a way out of the conundrum as many online gifts do not require postal delivery.

These include iTunes vouchers, which can be bought online and then downloaded, printed or emailed, and eBooks, which can be downloaded from the likes of WHSmith to be read on phones or computers .

Other examples of ideal last-minute gifts are magazine subscriptions, Amazon vouchers, Spotify gift cards and charity gifts .

Swiftcover.com research shows that two in five people have shouted at someone or become verbally abusive while on a Christmas shopping expedition, highlighting the importance of a more stress-free approach to gift-buying.

Consumer Choices revealed recently that more people are planning to watch TV online this Christmas, putting them at risk of breaching download limits.

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