Experiences with phone insurers (UK)

[Mortson]

So this is a different thread to one you might normally see in Fast Threads, as it is not about dragons, porn, or a mixture of the two.

I have recently bought an iPhone and would like to insure it. However, I cannot seem to find a company with reviews above 3 stars on any reputable review site and so my question to you kids is this; have any of you had good experiences with insurances companies, if so which ones? Would be interesting to know which companies to avoid too.

Thanks.