I have a long standing insurance with Policy Administration for £2.99 per month insuring me for anyone making unauthorised calls on my phone if it were to be stolen. It doesn't cover the phone itself. This company do a "hard sell" and say I could be 1000s of £ out of pocket if someone stole the phone and phoned abroad. i think this is unrealistic and unnecessary and there must be another way to prevent unauthorised use such as locking the Sim. am I missing something here?