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Mobile Phone Insurance

i wonder if anyone can help me. my daughter has a contract phone with carphonewarehouse. last week she lost it on holiday and has claimed for it through the insurance she took out when she bought the phone. they have said she can not get a new one as it does not cover lost phones. can anyone help me as she still has a few months left on it and does not want to buy a new one
thanks
julie :beer:
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