We all take things for granted and then rue the day we did not take the necessary steps to protect our belongings. Today, the number one item that is lost, stolen or just plain broken is our mobile phone. Yet it is a simple procedure to take out mobile phone insurance to protect your favourite accessory.

Imagine the scene. We have probably all, at some time or another, been on a great night out, celebrating someone’s birthday; a hen night; a stag night; been to a concert. The list is endless. You arrive home, pay the taxi driver and relax with a nightcap. You have had a wonderful night, what could possibly ruin it?

You are about to go to bed. You look around for your mobile phone. You know you took it with you. You remember using it. You start to recount what you did.

Panic

Then the truth starts to dawn on you, it has been left in the taxi!

So you ring it. No answer. Panic starts to set in. What about your numbers. What if someone tries to call you?

Just when all seems lost, you remember that you had taken out that mobile phone insurance. You dig out the policy and call the help line. You are reassured that at worst, you will get a replacement phone quickly. Any fraudulent calls made by someone else will be covered by the policy and moreover, your numbers have been safely stored by the policy provider.

One call solves it all.

Now imagine if you had not taken out mobile phone insurance!