I have been paying full insurance for my Samsung A8 for over a year. Last night while taking my dogs out for walk i lost my phone. upon contacting O2 this morning they were happy to block the sim. But they said that my insurance was only for a year. Leaving me without a phone. After quite happily taking £162.50 of my hard earned money. My advice here is, DON'T BUY INSURANCE from O2. Go to a 3rd party company.