Having recently renewed my mobile phone contact, I opted to take the (cancelable) insurance cover at a cost of £10 per month. I think this is expensive but the phone is worth around £500, and given that I'm quite clumsy, I need to be covered. My household insurance cover will pay £250 in the event of accidental damage or loss/theft of the handset, so I need to find a policy that will cover the whole cost. Although some banks offer free insurance for mobile phones and other items, mine doesn't. I may just insure the phone for a year (the value of the handset will probably decrease after 12, months) and although I have found a couple of insurers at around £6, per month I'm hoping to hear from any member who has had a positive experience when making a claim. Thanks in advance. Paul.