*Warning, the following paragraphs may sound stupid LOL* Hey guys. I now have a HTC Hero and that has replaced the crappy N97. Now the N97 is fully insured.. and currently has a higher recommended retail price than the HTC Hero. In the case I misplace / loose my phone they would replace the phone.. Therefore my question is should I tell the insurance company that I have a Hero instead of the N97 or not tell them? If I tell them I have a Hero then when HTC stop making Hero's I will recieve a new phone that would be in the same price tier as the Hero (at that point in time) if I lose my phone / break it beyond repair. When Nokia stop making the N97 (Couldn't come sooner) then I would recieve a phone in the same price tier as the Hero (at that point in time) if I loose my phone / break it beyond repair. What do you guys think will hold its value more. Hero (White) OR N97 (White) ? For example: If I don't tell them I have a new phone and I loose the Hero, I would tell them I have lost my phone and they would send out a New White N97 which I can easily flog for more than the price of a New Hero (at this present moment)..and have some change leftover .. Thanks.