Got my first iPhone this month. Very happy.
Decided to look into insurance because everyone seems to have smashed screens and can't afford to replace their phones.
Did a bit of digging and found it much cheaper direct from the mobile insurance provider for most of the phone retailers here: http://www.cpp.co.uk/phonesafe/
Just wanted to share i anyone else is getting fed up of smashing their phone or dropping it down the loo!
It's not too late!