Hi guys, after my recent iPhone 5 replacement saga, I started considering AppleCare. I'm a Barclays Bank client and I have their TechPack activated with my bank account. It basically protects both my iPhone and my iPad against accidental and malicious damage, loss and theft with excess rates of 75£ for the phone and 50£ for the iPad (crazy, I know, but it's what's in the policy). Now, how much does this differ from AppleCare? I'm aware of the one off price of Apple Care but I'm just wondering wether or not it is worth it given the extended warranty provided by UK Consumer Laws and my bank account's mobile insurance. I won't take into consideration their telephone support. I've used a few times while under my complimentary 3 month period and they're absolutely useless. Plus, I live a 15mins walk away from an Apple Retail Store. What are your experiences with AC? Would you recommend it in my personal circumstances? thx!