Are settings and accounts (like email) removed when changing the SIM card? My android phone was stolen. The SIM-cards PIN must be entered on start and I also had a PIN set for unlocking it. My question now is if the SIM card is changed, will all the settings be reset or could the "new owner" now just read my emails etc...?

EDIT:

As addition to my below comment:

On another Android device it seems that the SIM-card PIN and the unlock PIN must be entered before the phone can be accessed so I guess I'm safe?
Accounts and data are not removed if you switch the SIM. 

For obvious reasons:
Travelling abroad when you don't want to roam, or getting a new phone/data plan from a different carrier, etc. You could guess how mad people would get if their device got wiped by a SIM switch.

You're not safe, unless you also have set up a screen lock (or full device encryption).

All common smartphones act similar here (Windows Phone/iOS/Android):


If the SIM is locked with a pin, it must be re-unlocked each boot if it's present
If the device has a screen lock, it must be unlocked each boot and if you switch on the screen


I.e, a SIM lock is only bound to your specific SIM and it only prevents misuse of your number and phone/data plan, not the device and its data stored within. As soon as the SIM is replaced or removed, one doesn't need the SIM-PIN to to access the phone. Only a screen lock PIN (or password, unlock gesture or full device encryption) will do.