I intend on buying a iphone 3gs on PAYG when they are released and use my current Simplicity card. If I buy the phone from an Apple Store, can anyone recommend a good insurance company? Also, will there be any problem as I'm not using the sim that was supplied with the phone? If I bought from Carphone and used their insurance, would I have to insure it with the phone number provided with the PAYG? Hope I've made myself clear and thanks in advance for your help.