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Another upgrade Q and an insurance Q

Car  ex Clio 172 owner :(
As Orange haven't got the N95 8gb yet, would they give me the cash equivalent of say an N95 and therefore easily enabling me to buy a sim free N95 8Gb?

(I know I could just get an N95 and sell it).

If I don't get insurance this time around and the phone develops a fault. Is that still covered under any warranty for say 12 months at least?

Cheers.
 
It's just some of the phones I've had have developed faults but I've never lost or broken a phone so for £6/month I thought I'd take my chances. Always have my N80 to fall back on.
 
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