If you live in an area of the world where rainfall is part and parcel of the natural weather patterns, like the UK where I live, you should be aware of the unpredictability it harbours. Heavy downpours are part of life in the UK, especially in the North. However, in this modern, technologically driven age, we often forget how sensitive some of our closest items are susceptible to water damage. Moreover, the double whammy is often that just when you need your Hi-Tech item the most; it is out of service due to something as mundane as rain!

My brother plays rugby. He is a big lad and good at the game, unfortunately the good news stops there! There is not much between his ears when it comes to common sense, however, I admit to being pleasantly surprised when it emerged later that he had taken the precaution of arranging mobile phone insurance cover.

Just recently, off he went, on the usual Saturday morning jaunt to the match. They were playing away in a cup match against a little team of which they knew nothing. When they arrived at their opponents’ ground, they found to their horror that there were no changing rooms. They got changed in their vehicles and then carried their tracksuits and other necessary items for the game, to the pitch, which was about a hundred metres from the car park. This may sound primitive compared to what we all watch on the television, however, it is still commonplace at smaller grounds.

They started the match and almost immediately it started to rain. Heavier and heavier it became. Of course big, `rough and tough` rugby players are not perturbed by a bit of rain, so they went the whole match through and finished In a mud bath!

It was only when he decided to tell me how they had won, that he realized that he had left his mobile phone in his cloth kit bag. It had got soaked. Moreover, it was dead as a Dodo! So I never got my message, but I did find out that he checked his mobile phone insurance cover and successfully arranged a replacement handset and not only that, he had taken the additional features like saving important phone contacts within his policy.

I was impressed. Maybe he was not so daft after all? OK, He did not realize the perils of rain where mobile phones are concerned, but he did at least have the sense to have mobile phone insurance cover.