Phone insurance in the UK.

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http://forum.xda-developers.com – I'm looking for insurance, and I'm looking for one which pays out the value of the phone. I've seen many insurers, but most just send you a replacement phone, and those are just refurbished phones, yet the monthly premium is about £6+per month. I've never taken insurance before, and would like to see what you guys are using. (HowTos)