Hindsight will tell but the gist is that the larger the phone the more likely it is to be dropped or fall out of a pocket. Having now spent some time with the S4 I am inclined to think it may be more vulnerable than the smaller iPhone. The cure – buy a bumper case of some sort or buy a US$125 policy covering this for two years.
SquareTrade offer a specialist smartphone insurance policy (we could not ascertain if it available in Australia but most brokers have an electronic goods and transit policy covering accidental damage) and have some wonderful headlines on their web site. For example ‘Those with Tattoos 25% more likely to break their iPhones’ is right up there with ‘Those that have sex more than once a week are 15% more likely to break their iPhone’. Actuaries need to get a life.
Apart from theft however actuaries are having a field day working out the chances of damage due to drops, spills, being run over, being used as a sex aid, mechanical and electrical failure, display failure (including dead pixels and broken screens), antenna failure, broken dock connector ports, touch failure and even battery not holding a charge.
The odds are not good as most devices sit in pockets, handbags or are mercilessly carried and picked up and put down rather than use a utilitarian but decidedly uncool belt clip.