right. i have 2 contracts. one due upgrade now( my sons), one in october.(mine) both 3g iphones both insured with o2. if i use the upgrade due now ( its my sons) and put my sim in then o2 wont cover the insurance.. apparently they know which sim is in which phone. so questions are .. do 02 really know which sim is in which phone, and does this invalidate insurance if i swap them over? second if it does can someone recommend really good insurance ? i love the fact that when my sons loses his phone (again) i can get a new one the next day with o2. he loses about 3 a year, ( average) so i need an insurance plan that wont increase premiums and turns over the claims pretty fast.. i know i could search google for iphone insurance but i would rather take a recommendation than have problems in the future.. many thanks. ps my sons is 13..he would lose himself if it were possible.