For £10 ($15) a month get 250 UK minutes, unlimited UK texts and unlimited mobile Internet... (sim only deal)
Or you could just not be a bumbling ***** and take care of your phone. Your assumption is that you will break a phone. What will I pay? Neither, because I don't do stupid ****. Besides, the phones you get back when you use warranty or insurance is a refurb. Screw that, the last time I dealt with warranty it took 4 exchanges to get one that worked. I swear people are so ignorant when using their phones. Don't walk and text. Don't try to multitask while you're on the phone. Really, its not that hard. Anyway, point is, insurance is stupid. I take care of my things and so the manufacturer's warranty is all I need.Ok as someone who sells cellphones and plans, let me give all of you a bit of advice. CALL YOUR CARRIER AND RENEGOTIATE YOUR CONTRACT!!!!! You would be surprised how many ppl just lay back and accept the price they pay. CHECK IF THE COMPANY YOU WORK FOR HAS A DISCOUNT ON YOUR CELL BILL. Many ppl do not realize that depending on who you work for you could get as much as 25% off on your monthly bill. DONT FORGET TO GET INSURANCE!! The biggest problem the carriers have is ppl upgrade their phones and dont insure the 300-800$ phone they have just purchased. I see it so much, so many ppl ignore the fact that they have a mini computer in their hands if it is a smartphone. They ignore the insurance and 2-3 months later they are comming back to us crying that they broke their phone. Its sheer stupidity to NOT have insurance. Which would you rather pay? A little bit upfront or on your bill? Or the full retail price of a phone? Or pay the exit costs on your carrier plan which can be as high as 350$ plus the cost of the phone simply because you were either too stupid or cheap to protect yourself. I hope this helps a bit.