Mobile Phone Insurance

CarysOx

I have recently received a new phone, HTC One (M8) and am interested to hear people's opinions on mobile phone insurance providers.

Fonesafe want to charge me £8.99 per month for cover, and I've already found cheaper quotes than this - Switched On Insurance offer £5.99 a month and Protect Your Bubble offer £7.49 per month. Both apparently include loss (I'm reading all their fine print before deciding obviously).

I can be a bit rubbish about losing phones (bit scatterbrained sometimes) and so I do want cover that offers loss.

Just wondering if anyone had any recommendations on providers they found good/bad, and whether they actually covered you for loss, or if it was "only if you don't accidentally leave it in a public place such as a taxi, or train". I don't want one of these policies that say they cover loss, but in actuality there's no scenarios whereby they actually would shell out for you losing your phone.

forgotmyname

After you read their fineprint and decide which one suits you. Google reviews of them and read some of the stories where they refuse to payout.

Even at £6 a month you could stick that in a bank account and buy a phone if you lose yours. After 2 years you can get something decent.

I always keep my previous phone just in case anything happens to the new one. thats my insurance and costs nothing.