Dropped my phone last Friday in the car and the battery fell out. Was rushing around trying to take the children and their friends out so decided to look later, did not realise my sim card had fallen out as well. Planned to get a new battery when I had time, not realising the sim had dropped on the road as the children had opened the doors.. Had a phone call from my daughter a week later saying she had tried to call me and some girls had answered laughing, phoned vodaphone immediately and they blocked it but not before premium numbers had been called to the value of £450.00. Vodaphone say its my fault, and I suppose it is, but when my bills don't normally go beyond £16.00 per month you'd of thought they might of noticed my sudden addiction for dodgy sights and questioned it. Dare not tell my husband as he will go spare and rightly so. Does anyone know if insurance covers me for this. Feel pretty stupid and not sure if my policy has a clause allowing claims for stupidity.