One in five iPhone users have made an insurance claim in the last year according to one company offering cover. Mobile phone inurer Protect Your Bubble also reports that 45% of those claims were for accidental damage.
The company doesn't reveal the source of those statistics. It may well be that one in five iPhone users that have taken out insurance have made a claim, rather than it being one in five of all users.
While cracked screens, water damage and lost handsets are the main reasons for claims, the company says it has paid out on claims including an iPhone dropped off the side of a boat (presumably accidentally) and even one dropped into a pint of beer.
Meanwhile Aviva has noted that while student possessions may come under a parents' home insurance policy if they are stolen from student accommodation, they usually won't be covered for loss or damage when out and about. That's most likely to be an issue with expensive pocket-sized equipment such as phones.
People considering taking out specialist phone cover should check their home insurance policies carefully first. Home cover may protect against loss or damage, though it won't necessarily cover associated costs such as calls made after a phone is used, or losses caused by a thief reading data on the device.