It is a horrible feeling to have your phone stolen and it can be really stressful. Here is some advice on what to do if it has happened to you.
If you can, access, lock and even shut down your device remotely on a laptop, tablet or using another phone. Different manufacturers use different systems, but they all operate in a similar way. Here are links for iPhone and Android.
You can also use those services to track your device remotely. Its location can then be shared with the police to help them recover the phone.
Alert your network provider so they can block the phone
Tell your network provider that your phone was stolen and give them the IMEI number. If you don’t have it, you might be able find the number on the box the phone came in, or by using online services like Find My Device. UK network operators can stop a stolen phone from working across their networks with its IMEI.
If your phone is stolen, it is possible that you will have to pay the cost of any unauthorised calls or texts. Some providers cap these costs at £100 outside of your phone allowance - but only if you report your phone as missing within 24 hours,
Let your bank know
They can disable payment methods like Apple Pay or Google Wallet and suspend banking apps.
In some cases, victims who went to the police but didn’t alert their bank have lost thousands of pounds after their phone was stolen. For example, Niall McNamee, a musician and actor living in London, had his phone stolen on the London Underground and two days later discovered about £21,000 was taken from his accounts.
Report the incident to police
It’s always worth reporting the incident even if you don’t think the phone will be recovered. You’ll need a crime reference number if you want to claim insurance, and it helps the police build a picture of where crime hotspots are located.
You can report by calling 101, going in person to a local station or anonymously via Crimestoppers. Give the police your IMEI number as it can help them track down the device.
Change the passwords to your accounts and apps
This is important for online banking and any accounts containing sensitive information, like your emails. Change passwords for your social media, shopping apps and subscription services like Netflix or Spotify.
Contact your insurance company
If you have mobile phone insurance, call their claims line when you have your crime reference number. If you don’t have separate mobile phone insurance check whether the phone is covered under your home insurance policy.