Recommend tried and tested phone insurance companies who actual paid out fairly when you claim due to loss/theft/damage etc?

[GlowingR]

Recommend tried and tested phone insurance companies who actual paid out fairly when you claim due to loss/theft/damage etc?

Anecdotes, etc. welcome :)

Thank you

Vodafone replaced my handset when it was stolen.

I've got EE cover. Replacement handset within 12 hours when my screen cracked