I called 2302 2 days ago from my iPhone. Menu options 2,2,1,2. Explained I wanted to go onto the iPhone Simplicity 20 package. He asked where I'd heard about it, so I said O2 online forums and that was fine. VVM is working fine, and the new tariff shows up in MyO2 as active.
Can't comment on insurance as it's not something I bother with.