My iPhone 11 was stolen in Paris in June. Despite having insurance for expensive gadgets I came out with about £250 towards a new phone…..for the loss of a phone that cost me £700+.

Ended up forking out around £800 for an iPhone 13.

I now pay £9.95 a month for AppleCare + Loss & Theft and think it’s an absolute bargain.

P.S. Sainsburys travel insurance (Operated by Taurus) is absolute BS. Not a new for old policy provider so you’ll end up offered a second hand phone or the cost of a second hand phone (minus your excess obvs)