In reply to JamButty:
When I got a Samsung Galaxy S2, the insurance was about £11 a month! I didn't take it. Phone disappeared 8 months later, on a 24 month contract. I plodded on with an old Nokia handset of mine for a few months then bought a Huawei Ascend G300 for £100 (they had been on much cheaper deals in Tesco for a while but they went like hot cakes) to see me through for 12 months until contract renewal. Annoying but not disastrous. The only thing I missed from my S2 was that it had a decent camera and the Huawei did not. Obviously the S2 was a nicer phone all round but I wasn't that bothered about all the bells and whistles - I just use phones to speak, text, Facebook and email, and the occasional bit of Internet browsing (train times mostly) and as a SatNav and mp3 player.
Now I have a Nokia Lumia 920 on contract. Again no insurance. I dropped it on a hard floor after I'd had it 8 days and now a third of the screen is badly cracked. Phone is still useable. £150 for Nokia to repair it. £100 for "independent" to repair it. I am just living with it. I don't know what the insurance would have cost or whether it covers dropping your phone on a hard floor, or whether there is an excess. But on this contract I pay £12.75 per month, so the phone and useage will have cost me £306 by the time I am finished. I considered insurance but I bet it's about £9 per month, meaning an additional £216 over that time scale. If I destroy or lose this phone, I will be as well off just buying another handset, maybe a more basic one like a 520 which should be about £60 by now I imagine.
