Millions of adults admit they have an 'it won't happen to me' attitude in life with regards to insurance – and have been caught out as a result.
A study of 2,000 Brits found 16 per cent didn't insure a phone as they believed it would not break – only to regret it – while 13 per cent did the same with kitchen appliances.
A further 13 per cent admitted they didn't bother to install online security believing they wouldn't fall victim to a scam, only to find themselves clicking on something they shouldn't.
And more than one in 10 have also tried to save money by going without breakdown cover on their car, but ended up needing assistance at the roadside.
But this attitude has led to people having to fork out an average of £50 each month to make up for unexpected mishaps.
The research, commissioned by Virgin Media, found that nearly half of those with an 'it won't happen to me' attitude have been left red faced after failing to insure an expensive piece of jewellery they thought they'd never lose.
The study also found almost a tenth have got a virus on their laptop after not installing security software, while more than one in 20 have been left in trouble after clicking on a malicious link with no security.
It also emerged a third of adults have put their personal information at risk online.
And nearly one in six know someone who has been tricked into sharing personal info or downloading a virus.
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Despite this, research suggests less than half of Brits protect their mobiles or tablets.
Worryingly, 38 per cent use the same password for multiple devices and 26 per cent even share log in details with family and friends.
A third do not even have a password for their mobile phone while 32 per cent don't have their personal laptop protected with a code or PIN.
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And when it comes to security such as anti-virus software, many don't protect all of their devices, assuming that protecting their main device is enough.
Tablets are least likely to be secured, with more than 70 per cent of people not using any security software to protect them.
And a third do not run any antivirus software on their full collection of devices at all.
The 10 most common things Brits have done due to their 'it won't happen to me' attitude:
1. Left washing on the line and it rained
2. Didn't put sun-cream on and got sunburnt
3. Didn't charge their phone before a long journey and then it ran out of battery
4. Didn't take out mobile phone insurance and then dropped their phone
5. Didn't put a case on their phone and dropped it, smashing the screen
6. Didn't buy a carrier bag at the supermarket and then dropped all of their items
7. Didn't take out white goods insurance and their washing machine broke
8. Been targeted by an online fraudster
9. Didn't install security on a laptop and got a virus /malware
10. Didn't wear safety goggles when doing DIY and got something in their eye
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