I have been a customer for many years now and have used the O2 insurance policy at a price point of £15pcm. I have submitted a claim for a simple damage replacement and have waited 6 weeks, having made a couple of calls each week and there is still no resolution. They have no visibility about how soon they will be able to supply a replacement iPhone and cannot offer me any options as a paying customer. I would avoid if possible. A premium price for a non service.