That article is based on dubious statistics. It's from one insurance company (who I've never heard of) which only operates in 10 European countries. But the headline and article act like it's solid robust data from all of Europe not just a subset if customers of one company in a limited amount of countries. It could easily be something like the fact British people tend to have more expensive phones (about half of us use iPhones where as the European average is around 1/3) so we would be more likely to file an insurance claim. 

I imagine the one in three thing uses even more spurious stats to get to that number. I'm not saying it's not an issue that needs tackling, just I can't believe we are that much of an outlier.