Some of the most unusual mobile phone insurance claims are simply the result of accidents, including a woman whose phone was allegedly stolen by a seagull, a man who didn't realise his phone had fallen out of his back pocket before he flushed the toilet, and a woman who somehow dropped her phone into a cake mix and didn't realise until it had been baked at gas mark 5.
Other incidents involved the specialist functions available on smartphones. A man filming at a safari park was robbed by monkeys, a farmer accidentally let go of a phone he was using as a torch and saw it disappear up a cow's back passage, and a woman whose phone stopped working could only explain she'd been using the text alert vibration function for an intimate purpose.
Perhaps the most unfortunate case was that of a pyrotechnician who didn't realise he'd dropped his iPhone in the blast zone during set-up. He estimated that it was around 3,000 feet high at the point it exploded.
Mobileinsurance.co.uk says it pays out on many of the stranger claims but didn't confirm which. It's certainly a reminder of the need to carefully read terms and conditions...