24 month iPhone contract but phone packs up before the end?

Have a 24 month business contact with O2 which ends March next year. My insurance is with my bank.
Although the phone is in pristine condition, it's had heavy use. The battery won't last more than an hour, messages are mixing up, it constantly crashes.
I need to use this for a further 6 months as my business line. Will either O2 or my insurance help as its not (really) my fault?

I'd advise to call the insurance company up and tell them your situation. It depends if it will be replaced or not

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