'Inside a cow': the 10 oddest mobile phone claims


cowA3999 Malte Christians/DPA/Press Association Images

A farmer in Devon was helping one of his cows to give birth in the middle of the night, and struck on the clever plan of using the torch on his mobile phone to get a closer look. Unfortunately, in the process the phone disappeared inside the cow - and when it later emerged it was worse for the experience. His sorry tale was reported to insurers, and made it to number one on the list of the ten weirdest mobile phone insurance claims.

So what else made the top 10, and how do a seagull and a Victoria sponge feature?

The list, revealed by www.MobileInsurance.co.uk examined all claims for the last 12 months, and produced the top ten:
  • A lady in her early 40s from Nottingham claimed that she'd baked her Nokia 6303i into a Victoria Sponge she'd been making for her daughter's birthday. It didn't endure the heat of gas mark 5.
  • A lady in her 30s claimed she'd been walking her Cocker Spaniel on Barry Island beach, Wales, when a seagull swooped down and took her Samsung Galaxy from her hand.
  • A woman in her late 20s from Bristol claimed the vibration function on her BlackBerry Bold 9900 phone had stopped working whilst she was using it as an adult toy.
  • A 40 year old construction worker said his iPhone 4S had fallen out of his back pocket when he pulled his jeans down before sitting on the toilet. Not realising, he went about his business and flushed the chain. The phone didn't flush, but underwent serious water damage.
  • A man in his 30s claimed he'd been filming monkeys from the car window in Longleat Safari Park with his HTC One X when a monkey climbed on the roof and snatched it.
  • A couple re-enacting the "I'm King of the World!" scene from Titanic lost their phone over the side of their cruise ship, whilst trying to take a photo of themselves.
  • A pyrotechnician was setting up a show for the National Fireworks Championships in Plymouth, and having left his iPhone 3GS within the "blast zone", it was nowhere to be found when he returned post-show, having been fired 3,000 feet into the air before exploding in a stunning display.
  • A lady in her 20s from Liverpool admitted she'd thrown her HTC Desire X at her boyfriend, whom she'd discovered was cheating, but it missed him and hit a wall; breaking the handset.
  • Rather than paying £60 for a ticket to see Blur at their sell-out Hyde Park shows, one customer tried to film the event on his iPhone from up a nearby tree - he got a little too excited as the band came on stage though, and dropped his phone onto the ground below.
Each of the claims were fully investigated, and only three rejected: the pyrotechnician, the Blur fan and the lady using the vibrate function.

Are you covered?

The insurer behind the list highlighted that it was vital to ensure your mobile phone is insured for whatever you throw at it. It doesn't have to be a cow or a firework, a simple slip and a dropped phone could leave you hundreds of pounds worse off if you don't have cover.

However, before you buy insurance, it's worth weighing up the risks - and whether you are the sort of person who runs the risk of losing or damaging your phone.

If you are, check whether you have personal possessions on your home insurance - which covers items taken outside the home. It can often be added at a low cost - although check the excess. If you have a packaged current account there's also a good chance you have cover included.

If you are not covered by any of these things, it's worth shopping around for cover, which can cost as little as £40 a year. This is worth considering if you have an expensive phone and you are likely to lose or damage it more than once every three years.

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