Over 50 per cent of mobile insurance claims from those between 30 to 40 years old are for accidental damage, very often caused by their children. Parents are being told to check that they are insured or keep expensive breakables like iPads, laptops and mobile phones away from kids.

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This is Money has the story of mother Stephne Puddy who’s 6-year-old son Harvey managed to break both her iPad and mobile phone within a matter of hours. Thankfully, she had individual insurance for both devices; otherwise it would have cost her over £600 to replace them both.

Many children will have to find ways of keeping themselves busy as the summer holidays currently stretch out before them, it seems they like to do so by damaging things, with 25 per cent of all mobile phone insurance claims in July and August coming from those in the parenting age.

It's not just breaking the phones, parents need to reinforce their handsets with cases and screen covers to avoid it getting covered in paint, food, drinks, sticky fingers or pen.

All statistics were provided by the Geek Squad, who give in-store and online mobile phone advice through Carphone Warehouse, and while they had no specific numbers, they said 40 per cent of claims are due to young children misplacing them in the home.

Chris Tufts from Geek Squad told This is Money: “Playing games on their parent’s smart phone has become second nature for many children, but it comes with its risks.”

Tufts suggested that a tracker app might be a useful addition so you can find your device when the kids hide it.

If you're a parent and you want to prepare yourself in case your little one likes playing with your gadgets, you should check that your policy covers you for accidental damage and loss, then look on the side of your handset box and write down your IMEI number in case you need to make a claim.

Also, keep in mind that kids can also run wild with credit cards. Never leave your iTunes logged in so they can purchase hoards of the latest pointless apps which are in vogue in the playground.

A group of parents recently tried to sue Apple for “unfairly profiting from in-app payments”, due to the ease at which children can download extra content.

It's easy for them to make accidental in-app purchases too though. Parents can block this via settings > Restrictions > Allowed Content, so in-app purchases can only be made with a password. An excellent idea when you consider that some assets available within games can cost almost £100 each. 

It appears that the kids aren't the only ones breaking technology. Carphone Warehouse also says that the 18-30 age group is most likely to smash their smartphone on holiday.