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Who provides best insurance cover for iphone 4s?

Hi

Ive just upgraded to a new iphone 4s and looking for the best insurance cover.

Ive read a lot of complaints about "Protect your bubble" so have been put off them unless anyone has a positive experience with them.

Ive looked at several others but reading through the small print some say theft is only covered if there was forced entry into the building or it isnt covered while left unattended.

Here's a few typical scenarios: I go to the gym, put my stuff in the locker (big notice in changing room "items left at own risk") or attend a concert and put my coat (with phone in pocket) in the venue cloakroom (big sign about valuables left at my own risk). Then upon return gym locker has been broken into or my phone is not in my jacket pocket. Neither involved forced entry into the building. Disclaimer from both venues.

So will any insurance cover protect me from the above scenarios?

Thanks for any info.

B R

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