The top 10 weirdest phone insurance claims

Many mobile phone users can be economical with the truth when making insurance claims for phones that have simply been dropped  - but some true claims defy belief.

All 10 of the weird insurance claims here were checked out by insurance company staff, and ruled to be true.

Whether or not they fell within the terms of their insurance policy and secured the payment their owners hoped for is quite another matter.


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Mobile Insurance company MobileInsurance.co.uk also said they had 64 claims from phone users who had damaged their phones by walking into solid objects while texting.

John Lamerton, Managing Director at MobileInsurance.co.uk, said: “We tend to see a lot of weird and wonderful claims coming in from customers, but these 10 had to be the most bizarre.

The top ten weirdest claims

1. A farmer in Devon claimed his phone had disappeared inside the one of his cows when he’d been using the torch on his iPhone whilst assisting the cow during calving.

The phone later made an appearance, but was damaged.

2. 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.

3. 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.

4. 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.

5.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.



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6. 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.

7. 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.

8. 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.

9. 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.

10. 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.