For those amongst you who are married or in some kind of relationship, we are all told by the experts that they are based on trust. Sometimes that trust can be stretched to the limit, not by a relationship problem, but a much more mundane event in our lives. People consider insurance a mundane subject, because the benefits of it are not upfront, but more `what it` or more to the point `when if`!

Consider, then, insurance for mobile phones for a moment. Our perception of this type of insurance is with regard to loss by theft. People rarely consider accidental damage.

Not so long ago, I had a situation where I had to confront my better half and ask her to `come clean` (pun definitely intended). I had spent the previous evening looking everywhere for my trusty old mobile. It was one of those old David Beckham types, the Sharp GXi 10. I loved that phone and I was becoming increasingly stressed about not being able to find it.

The last time I had used it, was the previous day whilst at work. I knew that I took it home, because I had it in my jeans pocket. I rushed upstairs to my bedroom.
“Where are my jeans?” I thought.

Eventually, it dawned on me that the whirring noise in the background was the washing machine. I tried to follow the washing as it tumbled around in the machine.
“What are you doing?” asked my wife.

“Are my jeans in there?” I asked almost apologetically.

“Erm…yes” she replied.

“You checked the pockets…didn’t you?” I retorted.

There was a long pause. We both watched as the clothes danced around in the machine. Eventually it came to a halt. She opened the door. It was almost like those films where the heroin has died and is carried away by the mourning crowd! My poor mobile was dead!

Fortunately, insurance for mobile phones covers exactly this kind of unfortunate incident. OK, I could not get another GXi10, but I had saved my numbers and probably my marriage!