The mobile operators have finally agreed a code of practice on consumer billing.
It does not state a standard cap on the customer’s liability for charges incurred as a result of unauthorised use of the device after it has been lost or stolen, or the notification period for the customer to report a device lost or stolen in order to qualify for the cap. But I understand that there is agreement on a £100 cap on the basis for notification to both the operator and police within 24 hours.
That's a higher cap than for payment services (which have a cap of 50 euros) and an additional report to the police seem a little onerous, and just more admin for customers and police. However, the code leaves it open for providers to compete over this issue...
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