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Insurance - do you have it?

I just contacted co-op insurance as that's who i have my home insurance with. They said they can insurance TWO HTC Desires (by girlfriend has just got one too) for
 
I'll agree, Orange care is very good. The same day replacement and international replacement on business accounts
 
To summarise what that link above said about the companies mentioned. Not a good word was said about CUSC or Talkcover and Insure and Go had some pretty worrying exclusions which could get them out of most claims.

I've decided to go with my bank (Natwest) as the cover is for the whole phone value, no excess (Advantage Gold). Covers loss, accidental, theft, water damage,
 
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