I'd normally go with the one my network uses. But Giffgaff don't do phone insurance.
My bank do but only if you pay for a bank account which I don't want to do. (£13 a month and I don't need the other things it comes with)
I can get it covered by my home insurance. But how much of a faff is this compared to separate phone insurance?
Or am I better off just paying a few pounds a month for phone insurance? If so, recommendations?