> not only that, only Orange seem to have no excess on claims

That's not true anymore. They changed everything recently....

I got a letter from them and saw it was an Orange Insurance renewal letter,
so I chucked it to one side as I didn't want to renew the insurance (what
with my phone being 2 years old and all). When I next looked at a bill, I
noticed I was being charged for insurance (despite me not renewing it), what
was wose is that it was