iPhone insurance

What insurances any of you use for your phones? Looking to finally upgrade, I’m with o2 and they now want £15 pm for full cover insurance 🫠
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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

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

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