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Insurance - do you have it?

I'm considering insurance for my phone but am a bit reluctant given the contortions insurance companies can go through to not pay out. What sort of cover do you get? Accidental damage including breakages through drops or spillages over it? Has anyone claimed successfully and was it pretty easy?
 
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Orange care is excellent and the t-mobile cover is good too. Those who have it covered on their house insurance be aware that the excess payments for a claim can be massive, also bank and house insurance can have long lead times for processing a claim. Also some bank cover only covers the receipt value which is often 0.00 for contract phones so that is worth checking.
If you have your handset insured its worth checking the details of the cover. Most of us probably shop around for deals on the phone its worth doing the same for the insurance.
 
Upvote 0
Orange care is excellent and the t-mobile cover is good too. Those who have it covered on their house insurance be aware that the excess payments for a claim can be massive, also bank and house insurance can have long lead times for processing a claim. Also some bank cover only covers the receipt value which is often 0.00 for contract phones so that is worth checking.
If you have your handset insured its worth checking the details of the cover. Most of us probably shop around for deals on the phone its worth doing the same for the insurance.

So what's the excess with orange care and t-mobile cover?
 
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