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mobile phone insurance

hi!

my wife has just got a new samsung galaxy s2 phone on contract and we were thinking of insuring it.
rang up our home insurance who said they could add accidental damage in and away from the home to our policy which would cover the mobile phone but this would not cover any fraudulent phone calls made if the phone was stolen.
looked online and there are a lot of websites that do mobile phone insurance so dont know where to start.
what have other people done/what can people recommend?

thanks!
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