So you've ordered your new iPhone - but what if it breaks?

The new iPhone X

On November 3, gadget fans around the country will start receiving their new iPhone 8 or - even better - iPhone X.

The iPhone X features an edge-to-edge 5.8-inch OLED display, the brightest and sharpest Apple's ever produced. Other new features include Face ID, allowing the owner to unlock the phone just by looking at it, an improved camera and wireless charging.

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But it's also the company's most expensive ever smartphone, with prices starting at £999 - and the 256GB model costing an eye-watering £1,149.

When you've spent this much money, you really don't want anything to go wrong. However, research suggests that one in three iPhones are lost, damaged or stolen.

And according to gadget insurer InMyBag, three in ten incidents happen within the first six months of ownership.

Nearly half a million people had their mobile phones stolen last year - they're targeted in more than a third of all pickpocketing and muggings. Meanwhile, around one in five people have dropped their phone down the loo.

"Like all tech junkies, we're incredibly excited about the new iPhone at InMyBag HQ. But the figures we've highlighted make for sober reading and people need to be aware of the risks," says Gustav Holst Stuge, CEO, InMyBag.

"One in three iPhones are expected to be lost, damaged or stolen – a large proportion of those within six months."

So what should you do if it happens to you?

With iPhones so pricey, many people choose to take out Apple's own AppleCare+ insurance. The service costs £199 for the iPhone X - £50 more than for other models.

This gives you two years of telephone technical support and hardware cover, including two incidents of accidental damage. However, there's an excess to pay for accidents: £25 for screen damage, or £79 for anything else.

If you don't have AppleCare+, then a screen repair costs between £136 and £176, and a non-screen repair can cost hundreds of pounds.

It's also possible, of course, to get your phone insured by a third party. Policies start at as little as £4 a month, although this may only cover damage, and not theft - and you'll also want to check out the amount of excess you'll have to pay.

Apple provides a warranty of a year for its phones, although, as you'd expect, this doesn't cover 'damage resulting from accident, disassembly, unauthorised service and unauthorised modifications'.

However, you may have other rights if something goes wrong with your iPhone. Under EU law, if there's a defect when you receive the phone, you're entitled to a repair or replacement. You should contact the company that actually sold you the phone, which may or may not be Apple itself.

If you don't have insurance, and the problem's your fault, you do have other options.

If your screen breaks, for example, and you don't want to pay Apple's prices, there are plenty of places on the high street that can do the job - Timpsons is one of the most well-known and widespread stores. There are also a number of online repair shops, and even services such as Repairly and Phone Dudes, which will come out to you and do it at your home.

If you're really brave, you could try replacing the screen yourself: iFixit has online tutorials on how to do this, and can sell you the relevant parts.

Meanwhile, if your phone gets soaked, there are certain things you can try - although there's no guarantee it will work.

First, whatever you do, don't turn it on. In fact, even if the phone is still working, you should turn it off immediately: sometimes it takes a while for the water to work its way through the phone, and there's a danger that it could pack up unexpectedly the next day.

You should then, says Carphone Warehouse, remove any case, SIM or MicroSD cards to let the air get to as much of the phone as possible.

When you've done this, just leave it alone in a warm dry place for a day or two. While some people recommend placing it in rice to draw out the water, this doesn't have much effect - and can even introduce dust into the phone.

10 PHOTOS
Coolest gadgets for flights
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Coolest gadgets for flights

It may be one of the most anti-social in-flight accessories around, but the B-tourist is ideal for eating, sleeping and reading while pretending no-one on the plane exists. Made from stretchy fabric, it loops around the seat backs and features plastic rings on the sides to adjust the width of your privacy. The B-tourist is yet to hit the market.

Designed to keep you extra warm and comfortable on long-haul flights, the Duvet Suit comes in a carry bag that is condensed and can be used as a pillow and detachable hood. The suit is a two-piece outfit that can be worn as separates if you get too warm on the plane.
Having trouble getting comfy in your seat? The Ostrich Pillow was invented for power naps and allows you to comfortably rest your head on any surface (even the plane window), while blocking out visual and aural distractions. There's just one catch - it doesn't look good and you'll certainly attract a few stares with this quirky pillow that makes you appear to be wearing a padded balaclava.
It might not be the most fashionable jacket, but if you want to stay cool on a plane, the Kuchofuku Air Conditioned Jacket may be the answer. The jacket features two cooling fans on its back which waft a refreshing breeze around the wearer. The fans are powered by AA batteries or can be plugged into a computer using a USB cable.

One of the most controversial travel gadgets to date, the Knee Defender has caused quite a stir and has even diverted flights. The gadget works by helping you stop reclining seats on planes. It clips onto your meal tray and prevents the person in front from reclining. The plastic gadget, which has been criticized as being a passive aggressive product, even comes with a 'Courtesy Card' which you can present to the passenger in front asking them not to recline their seat. The creators of the product say that if this is not effective, the Knee Defender acts as your 'Plan B'.

Need help falling asleep on a plane? SleepPhones provide restful, audio-assisted relaxation without bulky headphones or uncomfortable earbuds. The wearable technology works as pyjamas for your ears, using smooth fleece material and helping you fall asleep on a flight while reducing ambient noise, conversations and snoring.

Conscious of plane germs? The trayGUARD is a tray table cover that provides an instant hygienic surface for flyers. The inventors say it is food contact safe and incorporates a chemical-free antimicrobial technology that is effective for the duration of your trip. Just slip it over your tray and you won't have to worry about catching flu germs. There is even a kids' version which comes with crayons for children to decorate their trayGUARD.

Does dozing on a flight leave you with neck pain? For those not getting enough support from U-shaped neck pillows, the NapAnywhere head support could be the answer. The pillow was developed by physician Dr. Shamaiengar to make travelling a more comfortable experience and is a minimalist device providing head support while in a seated position. The top part of the NapAnywhere features a shelf which sits below the chin and back of the head with a design to cradle your head.
Aero-Tray allows you to make the most of your space on a flight with its two-tier system which can separate food and drinks from your electronic items. It features an extendable pull-out shelf and cup support while counteracting the angle of a reclined seat in front, elevating your computer screen to relax neck, wrists and eye strain.

Part pillowcase, part hoodie, part iPhone case, the HoodiePillow promises ultimate Cocoonification™ to help you tuck away your stresses and relax on a flight. The travel pillowcase offers warmth, quiet and a healthy sleep environment while keeping the light out to give you uninterrupted shut-eye on a plane. It fits standard bed pillows and is made from premium sweatshirt material, which features two drawstrings for you to adjust it to your head size.

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