just reading the t's & c's for my �8 a month insurance , which i'll be cancelling once my phone arrives. I don't think they cover anything at all. There's this line in the exclusions: -
[INDENT]We will not cover your phone or accessories being damaged or stolen as a result of something you or any person using the phone have done or not done to make this more likely to happen[/INDENT]
Talk about cheeky!
D