Originally Posted by lightspeed2398:
“I'd have a look at external companies like protectmybubble.com”
No just no......there has been a plethora of threads about that site on here and over at moneysavingexpert.com
Banks usually use a company called CPP for the gadget and phone cover. They are good and also underwrite the network offering from Vodafone (who charge £12 or so for iPhone).
Most people can get Phone insurance through their bank for less than £6 or so. Again I do stress going the bank route if you have an iPhone will carry a costly excess should the phone be lost, stolen or damaged. Other phones like the S6 or Note 4 carry a normal excess, £25 for accidental and £50 for lost, stolen etc.
OP speak to your bank, I wouldn't recommend claiming on your house/home insurance either, when that happens your premiums go up. With dedicated mobile phone insurance that is not the case, should you claim once maybe twice in a year it doesn't put your monthly cost up. Not that I am trying to sell you a premium bank account, if you have a word with your bank or building society they should be able to offer an account which accommodates your needs.