Phone Insurance…

So decided to upgrade to the iPhone 4S… looking at the O2 package, their Recycle programme means quite a nice cashback for my old phone (£110), but the insurance has gone up to £15/month with a likely excess of £100 for the 4S. After a bit of hunting found a very reasonable plan by Amex that, for £9.99 covers my phone for loss/theft/damage, but also my laptop and all sorts besides. And no excess. Think I’ll go for it – anyone have any cheaper suggestions?

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