Thanks, Horusd, i was weighing that up too! From looking at some posts here, it would seem cracked screens are the main replacement issue (apart from loss/theft) adn they seem to be around 50 quid to replace. When you think that house insurance can be in the region of 2-300 per annum, 192 a year is crazy for one item! My son has a good 'tracvk record' on phones anyhow, his last one is three years old, battered and bruised but working! needless to say, Once I make a decision not to insure, he'll lose it!