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Who do you bank with?.
If you bank with Lloyds, take one of their paid current accounts out.
Cheers for your replies people. Yeah I came across compare the market and I think I've found something that suits me. You see I'm quite worried about losing my phone, I have been known to do this many times. Thankfully I've found an Insurance that will also cover me for loss and is cheaper that P4U (who won't cover loss).