Great Matts think a like.
Exactly as the above, I had my phone stolen in Barcelona, got the IMIE blocked immediately and went to the police station to get a crime ref number.
Got home and claimed thru my house insurance policy which I knew covered me. I'm with AVIVA and had no issues whatsoever. A good home insurance policy will cover you for a lot of things.
I have no need for insurance on any of my electronic items, as there well covered with the house insurance.
My missus pays £5 a month to insure her phone, it's just broke and there using any excuse they can not to pay out despite her paying the £50 excess before they'd even look at it. Biggest con and waste of money going.
NEVER had insurance on my MacBooks, iPads, phones etc. and never had any issues as i'm not a clumsy fucker.
Apart from being pick pocketed in Barcelona but those fuckers are Ninjas.
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