Considering the 5S, and if I get it I'll definitely want insurance. I had my 4 insured through CPW, but will most likely buy sim free this time. Never had to claim though, and as they say, you never know with insurance until the unfortunate time that you have to claim on it. Has anyone got any experiences with claims, and companies that they would recommend or avoid? Wanting the 32GB, so definitely don't want insurance that doesn't pay out should it be stolen/lost/accidentally damaged.