CYaBro: Yup Vodafone PhoneInsure is worth it.
A couple of years ago I had got a Nokia N73 on a 24 month contract.
I paid $400 for the phone I think but the phone on no contract was over $1000.
About a month after having it I went for a swim one night and forgot that it was in my pocket!
Phone replaced by Vodafone and only had to pay $150 excess not $1000!
My contents insurance wouldn't cover it. Even if they did the excess would have been $250.
Because I had damaged the phone at a friends house they said that my friend would have to claim it on their insurance????