Insurance for unlocked iphone in UK?

Probably a ridiculous question, but has anyone inquired about insurance for an unlocked (DIY) iphone?

Obviously insurance through your carrier is a no-no (if its o2, they'll realise you don't have the right contract, if its another carrier, they know you didn't get the handset from them)

Home insurance - I don't know if they would cover it given that its been 'tampered with'.

Would a third party insure a phone which has been sim-unlocked?

Anyone have any ideas?

alFR said:

I'd go with your home insurance and not mention it being unlocked - unlocking is really only a problem with getting warranty service from Apple IMHO. After all, you aren't going to tell them that you've put linux on the PC you bought with XP, are you?

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Yeah, more or less what I though, with the caveat: if they are to replace the iphone... do they get it from o2/apple? Will apple give them a phone if there's no contract?