Honestly, are people really this shit at life? lol
Get a decent case, and don't be a clumsy bastard. Then ring your house insurance company and find out if your cover includes accidental damage to electronics items outside of the house or not. If not, find out what it costs to cover them. It'll be cheaper than paying some dodgy outfit £8 a month plus to cover your phone in case it gets robbed.
Your house insurance can easily cover your phone, and also laptops, tablets etc, there's no need to have a thousand insurance policies for different things.
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