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Insurance on PAYG or sim only contracts?



  Mk2 Golf GTI
Does it exist? Either through the carrier or a 3rd party? Popped into the orange shop yesterday and the guy said I couldn't get it!

I want to go with one of those options rather than an 18 monther seeing as how the iPhone will be updating every 12 months.

But I don't fancy having a £500 phone uninsured...
 


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