travel and phone insurance that comes with a current account

stutakesphotos

I'm looking at current accounts and am wondering whether the offers of travel and phone insurance are any good? Are there any catches to them? Worth having?
It's smile/coop that I'm considering

Any info would be welcome

Thanks

jonesMUFCforever

What is the excess that you would have to pay if you had to make a claim?

thatsean

How often do you travel. Do you own a Blackberry/iPhone/other expensive device?

Every product on the market is good for someone, you need to be a bit (read lot) more specific.

The banks will give you policy details so you can understand whether the products meet your needs before you apply.