Well - it was going to happen sooner or later! I was at a music concert last night, my iPhone 4 vanished out of my pocket at some point and never arrived at lost property. Can't be found on "Find my Phone" (lock request/message sent anyway), Google Latitude's last known location was exactly where I lost it, and calls go to voicemail. Email/Facebook/etc passwords changed to be on the safe side. Most likely explanation is that it was pulverized under people jumping! It's a good way for an iPhone to go. Unless it was lifted by someone with specialist iPhone knowledge and turned it off/slipped it into airplane mode to stop me tracing it/locking it (possible). Anyway, the question I'm building towards. The SIM has been blocked and a replacement one is on the way. Obviously I need to think about a replacement phone - and shall be heading to an Apple store this weekend. Have they been known to issue 'Out of warranty' replacements (at cost) for stolen phones? I would probably guess not. Choosing to be philosophical about it. Owned a mobile phone for 12/13 years (not the same one obviously!) and only had one theft/loss/accidental death (last night's), which I suppose isn't a bad track record to have. And the concert was awesome.