We never expect it to happen to us, but then it does. In my case this has happened twice. I am, of course, talking about losing my mobile phone.

The first time I lost my mobile was clearly due to too many drinks on a boys night out. Thinking back I was using my mobile phone on my way home and must have left it on the back seat of the taxi. When I realized what had happened, the following day, I called the cab firm but unfortunately they didn't have my valuable telephone.It suddenly became very clear how much of my life was actually stored on that little device.

I vowed that I would be far more careful in future and get myself some mobile phone insurance to cover the cost of replacement. The expense was actually the last thing on my mind as I'd lost a whole load of important telephone numbers and contact details that weren't stored anywhere else.

We all do it. When we run into an old friend or make a new contact we immediately enter their contact details into our mobile phones and often don't even think about transfering those details to an address book.

The second time I lost my mobile phone was on another night out but this time I wasn't the worse for drink. I am convinced that my phone was stolen by an expert pick-pocket who managed to remove my telephone from the pocket of my jeans without me noticing. It is actually more likely that I dropped it on the floor when trying to get some cash out of my pocket at the bar. I told the club staff but my new phone never turned up.

Stupidly, I hadn't taken out the mobile phone insurance policy that I'd intended to. But, subsequent to my previous experience I had kept a record of all the new phone numbers and contact details that were on the device so the loss wasn't quite as disastrous as it had been the previous time.

You may be wondering if there is a moral to this tale? Maybe a small one. But I strongly suggest that you backup all of your telephone contact details and maybe get yourself some insurance to cover the cost of a replacement.