[Touch Diamond2, Pure Themes and Apps] craiglay:
When I was looking for 3rd party insurance, I quickly discovered its not really worth it. Most companies seems to be the same. This one is about £50-60 with £50 excess and offers Loss, Theft, Accidental Damage, etc

Consider these terms and conditions from a well known insurer. Particularly 2(e) and WTF is 4??

This Certificate does not cover:
1. Mechanical or electrical breakdown, wear and tear or gradual deterioration,
faulty or defective workmanship, corrosion, rust, condensation, dampness, dust or
change in temperature, gradually developing defects, cracks, flaws or fractures,
scratching, chipping, abrasion, change of colour, texture or finish.
2. Theft, loss or damage to the Telephone
a) whilst kept in an unattended motor vehicle unless the vehicle is locked and
all protections are in operation and the Telephone is concealed in a locked
glove box (all vehicles) or the boot of the vehicle (saloon cars), under the rear
parcel shelf (hatchback cars and 4x4 vehicles) or in the spare wheel compartment
(estate cars) so that forced and violent entry into the car is required. A copy of
the repairer’s account for such damage to the vehicle must be supplied with any
claim. Theft or damage from side pockets and any other interior space of the
vehicle other than those specified will not be covered.
b) from any commercially registered vehicle
c) whilst left on any motor vehicle roof, bonnet or boot
d) from any property, place or premises unless such theft or damage has occurred
through forced and violent entry or exit
e) whilst in any form of public transport or public place other than when the
Telephone is taken by actual or threatened force
f) unless accompanied by a Crime Reference number. Lost Property numbers
are not acceptable in support of a Theft claim.
g) Unless reported to the appropriate Police authorities and the Network within
24 hours of the incident
h) The cost of any calls made prior to notifying Your airtime supplier and the
police of the theft or loss of Your Telephone
i) arising from abuse, misuse or neglect
j) Whilst the Telephone is on loan to any third party.
k) Theft of the SIM other than in respect of valid theft claims where your card was
stolen with the Telephone.
l) Any damage to or malfunction of the Telephone caused by or related in any
way to a software virus or any other software malfunction.
m) Theft or accidental damage to any additional equipment or accessories
including but not limited to carrying cases, battery chargers, hands-free mounting
kit cameras, PCIMA cards or external antennae. Unless this occurs as part of
a valid theft claim for the rest of the Telephone
3. The first £25.00 of each successful claim increased to £50.00 of each succesful
3. claim where Your Telephone is 3g enabled.
4. Mysterious disappearance of the Telephone.
5. Any failure due to date-related problems.
6. Routine maintenance adjustment or servicing.
7. The VAT element of any claim if You are registered for VAT
8. Any consequential loss whatsoever.
9. Any legal liability directly or indirectly caused by or contributed to or arising from:
a. ionising radiations or contamination by radioactivity from any nuclear fuel or
from any nuclear waste from the combustion of nuclear fuel.
b. the radioactive, toxic, explosive or other hazardous properties of any explosive
nuclear assembly or nuclear component thereof.
10. Any loss or damage or liability directly or indirectly occasioned by, happening
through or in consequence of war, terrorism, invasion, acts of foreign enemies,
hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection,
military or usurped power, or confiscation or nationalisation or requisition or destruction
of or damage to property by or under the order of any government or public or local
authority. Unauthorised calls unless associated with a valid theft claim.
11. Any damage directly occasioned by pressure waves caused by aircraft and
other aerial devices travelling at sonic or supersonic speeds.
12. Misuse of equipment following theft - If you have a valid claim for theft of your
equipment the insurer will pay you a maximum of £250 for the cost of any calls made
by another person using your equipment without your permission for a period of
24 hours after the theft/loss

Disclaimer: There may be a policy out there that covers everything but the majority I looked at had terms and conditions similar to this. I am NOT singleing one company out either!

Craig