I've currently got my original iPhone covered under my home contents insurance - its much cheaper than O2's insurance and they claim they replace like for like. The thing is, O2 no longer have original iPhones in stock, so would my insurance company have to get a 3G iPhone, or is insuring my original iPhone essentially pointless? More importantly, when I do get round to upgrading to an iPhone 3G, and change my policy to reflect this, will my contents insurer even be able to get a brand new iPhone 3G as a replacement? I've sent an email to O2 about this but I'm pretty sure a number of people on here have insured their iPhones through their home/contents insurer or other third-parties (such as their bank) and wonder if you've heard anything from O2 about this? I understand a replacement would be the full unsubsidized retail price but here's little point in having a policy if O2 won't even sell a replacement to my insurer.