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Best/Cheapest Insurer for N73?

I am currently using Vodafone's insurance which is £6.95 a month, but am now changing to the 3 network.

I need an insurer which includes the following things:

1-Costs around £5 a month
2-Will not charge more than £25 excess and NO EXTRA for a 3G phone!
3-Covers accidental loss and damage
4-Preferably lets you claim over the phone, and can get a replacement within 48 hours or so.

I'm sick of poor mobile insurance cover, especially that which doesn't cover you if you lose your phone which is reasonably likely to happen!

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