Mobile phone insurance

Mobile phone insurance. Have a think about it. What’s the point? You’ve been on a contract for a year, someone steals your phone: what happens next? You get a new phone free on another contract somewhere else. Or you buy a pay as you go phone.
How about stolen airtime? What if the thieves make calls with your phones? Check your small print. I’ve been investigating and very few insurers cover airtime theft (aka “airtime abuse”). One covers airtime abuse only after you’ve reported the theft to your network provider: the phrase “as useless as a chocolate teapot” occurs to me.
I’m still checking Carphone Warehouse out, which claims to insure up to £1,000 or airtime theft; the CPP Group does similarly but only for theft of airtime during the 12 hours before you report the theft to the provider, the police and the CPP group. I’ll let you know if anyone turns out to be more helpful.