For a private-hire or delivery driver, the phone is not a convenience, it is the depot, the till and the customer list all at once. The dispatch app runs on it, the payments land through it, the messages from customers arrive on it, and the bank is one tap away. That concentration is efficient right up to the moment the phone is lost, stolen or taken over, at which point the entire day's earning stops and someone else may be holding your money.

The first setting is a proper screen lock and a second sign-in step on the accounts that matter. A phone protected only by a four-digit code that a shoulder-surfer can read at a rank is a phone anyone can empty. Use a longer PIN or your fingerprint or face, and switch on the second step for your bank, your email and your driver account, so a thief with the handset still cannot get into the parts that pay.

The second is “find my phone”, turned on before you need it. Both Android and iPhone can locate, lock and wipe a missing device remotely, but only if you enabled it in advance. Set it up now, and know how to trigger it, because the window between losing the phone and someone using it is short. Being able to lock it from another device turns a disaster into an inconvenience.

The third is a backup, so the phone holds your business but is not the only place it lives. Turn on automatic backup of your photos and contacts, and make sure your bookings and records exist somewhere beyond the one handset - in the app's own cloud account or a note you can reach from elsewhere. Then a broken or stolen phone costs you a phone, not your customer list.

One scam to name, because drivers get it directly: the fake message claiming a delivery problem, a suspended driver account, or a payment that needs re-entering, with a link to a login page that harvests your details. Never sign in through a link in a text. Open the app you already have, and if a caller claims to be the platform or the bank, hang up and ring the number you already know.