Oh yeah I'll have a look, I'm not much in the know about all these things I've always just stuck with what I've known, I'm looking at a rolling contract for the iPad (like I say i'll be buying the 3) thanks for all your help 
edit: just having a look at barclays bank gadget insurance and for £4.88 p/m it's covered against faults but for an extra £1 p/m it covers it against loss/theft (or so it says) might pop in and ask them about it:
You can cover your gadget(s) against loss for an extra £1 per month per gadget. Your gadget(s) are covered against theft or loss as long as you report it to the police within 24 hours and get a crime/lost property reference number
edit: just having a look at barclays bank gadget insurance and for £4.88 p/m it's covered against faults but for an extra £1 p/m it covers it against loss/theft (or so it says) might pop in and ask them about it:
You can cover your gadget(s) against loss for an extra £1 per month per gadget. Your gadget(s) are covered against theft or loss as long as you report it to the police within 24 hours and get a crime/lost property reference number
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