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Mobile insurance

Having just splashed some cash on a decent phone I think I should get it insured (and I know I can get it cheaper than O2 were offering!). Been looking at: insure2go (£6.99 month/£64.99 year), insureandgo (£5.21 month/£62.50 year) and protectmybubble (£6.99 month/£83.88 year). Anyone have any experience dealing with these companies or have any other suggestions?
Well I know that the policy I bought through Carphone warehouse doesn't cover loss. Its theft and accidental damage only. And they kept asking for the phone back, to whit I've told them no they can't have it and there's nothing in the key facts that says its part of the contract that I have to give them the phone back.
Lost my phone yesterday. Sob. Only had it 3 years and their was over a fiver credit on it. Tesco profits will be up by a tenner tomorrow.
I use the same phone as edomatt.
Never bothered with phone insurance before despite the fact that it's part of my bank account agreement until I brought my iphone5 a couple of months ago.

It's brought me some peace of mind because just a month before, I lost a brand new ipad stolen by a mini cab driver. An expensive ride!

So check and see whether your bank offers you insurance as part of your deal?
Lost my phone yesterday. Sob. Only had it 3 years and their was over a fiver credit on it. Tesco profits will be up by a tenner tomorrow.
I use the same phone as edomatt.
He's going to be pissed off then.

How does that work? You post it to each other? Wouldn't it be cheaper to communicate by letter? (Or PM?)
I went sim only today in a stunning act of financial sagesse which has seen my mobile bill quartered and me elevated on the shoulders of my peers in recognition of my commitment to paying smaller bills.

However, my phone provider won't insure my phone on a sim only contract which means that I'm uninsured. I'm going to call my house insurance people to see what the Bobby Moore is but has anyone else got any good coverage that they'd like to share?


Book Reviewer
I get coverage thrown in with my current account benefits with RBS through Aviva iirc.

the one time I had to claim I spoke to their agent friday evening, had a replacement phone in my hand saturday morning. I was expecting unpleasantness, if only slightly, but they couldn't have been nicer or more helpful.
If you hold a Nationwide Flex Plus current account you get alot of benefits for a tenner a month, mobile insurance included

I've used it a few times and only had to pay a nominal charge (can't remember how much) on replacing my sisters Iphone 6S after she dropped it at one of her school kiddie parties and smashed the screen and the entire thing was replaced with a refurbished model and ungratefully sniffed at the colour, and also replaced my Note 4 after I dropped it in the toilet on a call (no joke).

Thats a tenner a month and it includes alot of other benefits which you can't moan at, check the linky because I can't be bothered to copy and paste (but I did) but they're generally a great bank overall, both my current account and credit card are with them and no one else.

UK & European Breakdown and Recovery Assistance
Worldwide family travel insurance
Worldwide family mobile phone insurance
Extended warranty on appliances
3 month fee-free overdraft
Commission-free cash withdrawals abroad
Identity theft and emergency card assistance

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