I have just got off the phone to O2 regarding my 90 year old Mothers phone that was taken whilst she was in hospital recently. My mother had paid over £500 in insurance over the years and was offered a replacement phone worth £30 however had to pay a £25 excess and then organize a charger for the replacement as her old phone is no longer made and they would only send a handset. O2 you are a total ripoff. Needless to say we have now cancelled and will be going to a company that cares.