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Mobile phone insurance?

Hi there.
I'm just looking to move from pay as you go to contract and as I'll be getting a fairly decent phone, thought it might be worth getting some insurance. I'm going with T-Mobile and they offer insurance for £5.99 a month. Is this a good rate or would it be cheaper to get it sepaately from a mobile insurers website?
Can anyone recommend any good insurance websites?
Cheers!
 
I would think it would be cheaper it you can get additional cover for personal possessions including your mobile on your home insurance.
 
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