One Tech Tip: Here's what you need to do before and after your phone is stolen or lost

LONDON — Phones hold so much of our digital lives — emails, social media and bank accounts, photos, chat messages and more — that if they ever get stolen or go missing, it can cause major disruption beyond just the loss of a device.

In some places, phone thefts have surged so much it's now an everyday problem, with thieves on electric bikes snatching them out of pedestrians' hands, swiping them off restaurant tables or pickpocketing them on the subway.

In Britain, where 200 phones are stolen every day in ''snatch thefts,'' the government has pledged to crack down on the crime and is meeting with tech companies and device makers to come up with solutions.

Here are steps you can take before and after your phone goes missing:

Basic protections

There are things you can do to make it less painful if your phone is stolen. Because some of these features are more technical in nature, people often overlook them.

Lock down as much as you can. At a minimum, require a password or biometric scan to unlock the device. You can also add similar requirements to important individual apps — like your banking account, WhatsApp or Signal — to protect your finance or chats from thieves.

You'll probably have lots of precious photos saved on your camera roll. It's a good idea to back them up, along with contacts, calendar items and other files. Google and Apple offer cloud-based backup services, although the free versions have limited storage space. You can also back up your files to an external hard drive, memory card or a laptop.

Some police forces and phone companies advise turning off message previews, which prevents thieves trying to break into your accounts from seeing reset or login codes when the phone is locked. To do this on an iPhone, for example, go to the Notifications section of your settings menu and tap Show Previews. You can also scroll down the app list to turn previews off for individual apps but leave them on for less risky ones like news or weather.

Turn on newer features

Recent iOS and Android updates include a number of new functions designed to make thefts less attractive.

IPhone users can turn on Stolen Device Protection, which makes it a lot harder for phone thieves to access key functions and settings. Many thieves will want to wipe the data off and reset so they can resell it, but with this feature on, they'll need a face or fingerprint scan to do so. Apple also recently updated its '' activation lock '' feature to make it harder for thieves to sell parts from stolen phones.

Jot down your device number

Take note of your phone's serial number, also known as an IMEI number. It can link you to the phone if it does eventually get recovered. Call it up by typing (asterisk)#06# on your phone's keypad. If you've already lost your phone you can also find it in other places like the box it came in.

If it's stolen

If you're unlucky enough to have your phone stolen, notify police. Call your insurance company if you have a policy that covers the device. Inform your phone company so they can freeze your number and issue a replacement SIM card or eSIM. Notify your bank so they can watch out for suspicious transactions.

Tracking your device

These services will show your phone's current or last known location on a map, which is also handy if you've just lost track of it somewhere in the house. Apple says even if a phone can't connect to the internet or has been turned off, it can use Bluetooth to ping any nearby Apple devices using the same network behind its AirTags tracking devices. Google says newer Pixel phones can be located ''for several hours'' after they've been turned off using similar technology.

You can get the phone to play a sound, even if it's on silent. You can also put the phone in lost mode, which locks it and displays a message and contact details on the screen for anyone who finds it. Lost mode on iOS also suspends any Apple Pay cards and passes.

If the device shows up in an unfamiliar location on the map, and you suspect it has been stolen, experts say it's better to notify police rather than trying to get it back yourself.

Cybersecurity company Norton says, ''Confronting a thief yourself is not recommended."

Final steps

Log yourself out of all your accounts that might be accessible on the phone, and then remove it from your list of trusted devices that you use to get multifactor authentication codes — but make sure you can get those codes somewhere else, such as email.

Then, as a last resort, you can erase the phone remotely so that there's no chance of any data falling into the wrong hands. However, take note: Apple says that if the iPhone is offline, the remote erase will only happen the next time it come back online. But if you find the phone before it gets erased, you can cancel the request.

Google warns that SD memory cards plugged into Android phones might not be remotely erased. And after the phone has been wiped, it won't show up with find my device.

___