Good mobile insurance companies?

I'm getting an iPhone 4S and I want to feel as though I've got back up if something went wrong (I'm very clumsy too at times) and I've been through lists of insurance companies and they're either too expensive or have bad reviews about 'receiving refurbished phones'

Can some one tell me a good company they know of under £7 per month and/or even better someone whose had a claim and they were a good company!

Really stressing out!

Dude. None of them. Insurance is for the HUGE, catastrophic things that go wrong - not the small $500 luxury toy.

It's a ripoff. They All give you refurbs. The deductible, is the wholesale cost of a refurb. The premium, is icing on the cake. Every time you file a claim, they make money.

It's a major racket. If you don't think you can take care of your $500 toy… Buy a $50 toy instead.