is Applecare+ worth it? (£109)

[MindfulBear]

Hi
I am looking at replacing my iPhone 4 with an iPhone 6s - new, refurbished or used.....
I was wondering if the extra insurance Apple offer is worth getting...? 2 years coverage - incl accidental damage, telephone tech support, & Covers some accidental damage (incl water damage), incl 2xreplacement of phone (but replacement subject to a £79 excess)

Is this worth getting?

Some guidance would be appreciated!!

I've had AppleCare a few times and never used it. I've never considered it for a phone because I have insurance with my bank account.

Thanks.
I wonder if anyone uses the technical phone support? I assume house insurance does not cover that yet I've had an iPhone for years and never had AppleCare+....!

I think it's good if you're not sure what you're doing, but I live fairly close to an Apple Store so invariably just make an appt at the Genius Bar there.