OK, Well my current handset is with phonesafe (T-Mobile's insurance people). I wasn't sure if I was able to take out a policy as I didn't take out the phone with T-Mobile, as it was bought SIM free.
I know my mums house insurance covers my phone, as my sister had hers stolen from an unlocked staff room but at the time o2 wouldn't accept the claim due to the room being unlocked, so she had it replaced under the house insurance. Its just I don't think mummy would be to happy if I put her premium up by losing/breaking my phone.