I just have personal belongings insurance on our home insurance. It covers everything, maybe the excess is £250, but I refuse to buy into additional phone cover lol x
I have an account with my bank that includes phone insurance,travel insurance and car breakdown cover for about £15pm
Included in my NatWest account. £75 excess
I have a nationwide flex plus account and I pay about £13 per month which covers me for family travel insurance, mobile phone insurance (which I’ve used loads and is really easy) and breakdown cover for the car