any recommendations for iPhone insurance in the UK?

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my iphone 4 year old , have year go before can upgrade, if lose or break can't afford replace , thinking of insurance. have recommendations?
i'd hear people have had claim, easy, did pay out? protect bubble seems have cheapest , best cover have read negative press claiming?
 

do have housing- or car-insurance? if so, can affordable all-risk-deal insurance company on iphone.
 


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