Specific, standalone phone insurance will be more expensive than an extension to your home contents insurance, but more comprehensive: ie you'll get cover for a wider range of fuck-ups and less likely to get bitten by the small print, but it'll cost you more.
Check who the underwriter of the policy is: "cheap phone insurance 4 u" will just be an agent for the actual insurer and don't write the cheques.
Specific, standalone phone insurance will be more expensive than an extension to your home contents insurance, but more comprehensive: ie you'll get cover for a wider range of fuck-ups and less likely to get bitten by the small print, but it'll cost you more.
Check who the underwriter of the policy is: "cheap phone insurance 4 u" will just be an agent for the actual insurer and don't write the cheques.