Insurance Facts

None of us expect it to happen to us, but then it inevitably does. In my case, twice. I’m refering to losing my mobile phone.

The first time I lost my valuable mobile was due to too many beers on a boys night out. I’d been on my mobile while on my way home in a taxi and I think I must have left it on the back seat. I didn’t realise what had happened until the following day when I called the cab firm only to hear that they didn’t have my phone. I suddenly became aware of how much of my life was stored on that little device.

I vowed that I would be far more careful in future and get myself some mobile phone insurance to cover the cost of replacement. But the expense was the last of my concerns as I’d lost a whole load of telephone numbers and contact details that were only stored on my phone and nowhere else.

Everybody does it. We’ve all gotten into the habit of simply entering someones contact details into our telephones and rarely do we back these up to our computers or even to an old fashioned address book.

I then lost my new phone on yet another night out, but this time I wasn’t drunk. I was convinced that a pickpocket had lifted my mobile from my pocket in the nightclub. It is actually more likely that I dropped it on the floor when trying to get some cash out of my pocket at the bar. I told the nightclub staff but, not surprisingly, my phone never re-appeared.

Unfortunately I had not followed my own advice and hadn’t taken out a mobile phone insurance policy. But my experience the last time I’d lost my phone had led to my making note of most of the contact details on my phone.

I suppose there is a moral to this sorry tale? Maybe a little one. But I strongly suggest that you backup all of your telephone contact details and maybe get yourself some insurance to cover the cost of a replacement.