In article <MPG.1a880bf4fab8896b9897f2@news.cis.dfn.de>, Jon 
<spam@unlockingshop.co.uk> writes
>yadayada posted the following for all to hear...
>> It pissed me off, I can tell you! Orange seem to think that I'd prefer to
>> pay £5 a month for the privilege of having to pay £15 if my phone got
>> stolen!
>
>What other high-street mobile phone insurance policies don't charge an
>excess? Care was free for a long time don't forget. Yes it's gone up a
>bit, but it's still the lowest excess/admin fee and in my experience the
>only policy that provides next-day replacement.
>
>> It's a farce, I could renew my contract and get an upgrade for free
>> if anything ever happened to my phone!
>
>Only if you are 12 months or more into it though.

I've never bothered with phone insurance. £60 a year for O care, plus 
£15 if you need to claim. Unless you regularly lose phones or have 
something _very_ expensive it is cheaper to just pay for a new one than 
have the insurance company bleeding you every month. Once you end up 
having several phones on the go at once that adds up to a significant 
sum every month.
Insurance is worthwhile only for the losses you can't afford to cover 
yourself (e.g. car and house insurance). Insurance/warranties on 
consumer goods are almost always a waste of time unless you are 
terminally clumsy and/or forgetful.

Matt
-- 
Matthew Haigh --$matthaigh{News04}$@haigh.org--
GCRSoft, providing SMS solutions since 1996...
http://www.gcrsoft.com  http://www.moretext.com