Ok this is what i was told of the O2 sales department.
In regards to the insurance you pay now, this can be transferred over to the new iPhone 4 at the same price you pay now (for me it is £7.50 a month) because it is just carrying on with a existing insurance plan and not a new one (think new ones are around £15 a month now)
I don't have to get my mobile direct with O2. I can still get my sim-free unlocked iPhone 4 from Apple, phone them up and tell them and they will then send out me a micro-sim with that will keep my Simplicity plan that i am currently on. I will also still have my phone insured with them as it is the phone that the sim goes into that is insured but would just tell them that i no longer have iPhone 3G and that it is iPhone 4.
Also confirmed and this is what i am going to do:-
Get simplicity plan £20 a month 600mins (£15 if am tight n go for 300mins), Unlimited data, Unlimited txts (before 24th June)
Then get iPhone 4 sim free from Apple (wanted white but may have to settle for the finger print showing but less contrasting screen of the black) for £599 from Apple.
Also will be insured for just £7.50 a month
Hmmm guess my dilema on White n Black may have been decided for me in order to get the best deal.....though when someone says i cant have summat usually makes me want it more lol (also guessing 32gb is best way to go)
I used to have O2's insurance. It cost me £7.50 a month. When I updated to 3GS. They whacked it up to £15 a month.
It paid for itself when I dropped my 3GS in a car park and shattered the screen. I was even happier when they delivered the replacement next day and it was a retail unit not a refurb.