Bruv wrote: Funny you should say that, I never knew I did, thought it might have been part of the package.
Not sure when you took out your contract, but I know when I took mine out 2 years ago in October, the insurance was included as an extra in the tariff price. Thought it sounded good until I considered making a claim for a cracked screen, only to find the excess payment was insane!
To be fair, the insurance setup was changed in November to be much more reasonable (but it's still not particularly competitive). It's no longer included as a freebie - the premium is an even number between £2 and £8 depending on the value of the handset, and the excess is ten times the monthly premium.
Ah, ok that's not so bad. For years they charged me about £8 which I paid for a long time but cancelled eventually. I realised/accepted (quite late) that years of payments without a claim probably dwarfed the cost of just buying a reasonablely priced replacement outright - especially in the post Moto G mobile world!