How have you found it? Were they very reluctant to pay out if you lost/broke it? How much was the excess? Did it go up after first claim? What happens to the old iPhone? Does it get blocked completely and cant be used again? If you are on a pay per month/ pay as you go type SIM e.g. GiffGaff (UK), you wouldnt have to notify the carrier and have it blocked etc like you would on a contract would you? Thanks for any answers.