I actually bought insurance this time... was 6 quid a month (another carrier wanted 12)
first contract I ever had was a BB pearl
nice enough little phone... kinda short on apps. A month into the contract the charger socket falls into the phone and when I return it (clearly manufacture error) I was told it had nothing to do with them. so I ended up with a cheap phone for the next 23 months -_- ended up with a Samsung chat
awful, but was cheap
the insurance I got covers accidental damage and things like water damage but oddly doesn't cover theft.