There is one mobile phone fact which never fails to amaze me, and that is that every year an estimated 800,000 British people damaged their mobile phones by dropping them down the toilet. Water is obviously very damaging to your mobile phone, a fact which instantly springs to mind if you're unfortunate enough to damage your phone in this manner.

A couple of stories which I have heard to illustrate the dangers, firstly a large American man who tried to retrieve his mobile phone after it fell down the public sewer drain. Upon removing the cover and trying to get his head and arms down to find his phone, he overbalanced and became wedged. By the time he was rescued he had drowned.

Just a few weeks after also in America, two friends who were fishing found themselves in difficulties after one dropped his phone into a lake. He was unable to save the phone and struggled himself. His friend jumped in to help him and by the time someone in another boat came to their assistance one of them had drowned.

The thing is, it's only a phone and it can be replaced. However at the time panic seems to set in as you quickly consider the cost of your phone and the information it contains.

By far the best thing to do is to buy insurance cover for your mobile phone. For only a few pounds each month your phone will be covered for theft, accidental damage and a host of other costly problems. Hopefully you will never need to think about it, but if you do have a spur of the moment decision to make such as those mentioned above, the fact that your phone is insured should make you realise that it's simply not worth risking your life over.

If you do drop your phone into water and you are anywhere near your home here's a little tip which may just be worth trying. Firstly remove the battery instantly. This will help prevent any short circuits assuming of course it's not already too late. Find a bag of rice and cover the phone and battery and leave it for 48 hours. The rice will draw out the moisture from the phone and battery and there is a chance they may both work perfectly after this. If you drop your phone into salt water this trick is only possible if you make sure you quickly rinse in fresh water first before covering with the rice.

If this fails you then have to take out your insurance policy, complete the forms and get your replacement phone.

You cannot plan what you will do in the event of an accident by its very nature. However you should plan ahead just in case an accident does occur. Transfer all of your files and photographs from your mobile phone on to your computer at regular intervals. Also you can obtain free software which will back up your phone on to your computer's hard drive. This will include all your important contacts addresses and phone numbers, as these are very often the greatest cause of headaches when you damage your phone.

Manufacturers are nowadays producing more and more sophisticated mobile phones. These are obviously very expensive, and if you own an expensive phone you should have no hesitation at all in all obtaining insurance cover.
iPhone Insurance