Lost or stolen phone
Mobile phones now do so much more than simply make calls that many of us would be completely lost without them.
Unfortunately thousands of phones do go missing each year and many of these will have been stolen.
But if your phone does go missing you could be left with a much bigger headache than simply having to replace your handset.
Not only are many smartphones worth hundreds of pounds, but thieves can quickly rack up huge bills on stolen phones.
You may be liable for all charges run up on your phone when it goes missing up until you report it as lost or stolen to your provider. Therefore, it's important you contact your provider as soon as possible to avoid facing high charges as a result of unauthorised use.