Figures released by NFU Mutual suggest that mobile phones account for 53% of household insurance claims involving children.
The insurer also revealed that the number of claims involving girls was 3% higher and, on average, £28 more expensive than those involving boys.
In 2015, the average cost of a household claim involving a girl was £376 with claims involving boys costing £348.
Nicki Whittaker, high value home specialist at NFU Mutual said: “It is estimated that 90% of 11-16 year olds have a mobile phone and the most common claims we see are for phones which have been dropped and damaged, lost or fallen down the loo.
““Following George Osborne’s announcement that millions of grandparents could be paid by the state to look after their grandchildren, it’s also interesting to see that claims involving grandchildren accounted for 5% of all claims relating to children.”