Mobile phone insurance - NOT amateur radio

Actually, I need a bit of help.

At the moment I use a very simple mobile phone from Tesco. It is used mainly for texts with the occasional phone call. At a one off cost of £19.99  this phone is brilliant. A simple "pay as you go" top up lasts me months and months.

As a Virgin Media customer I was tempted by a fancy "pay monthly" phone which has 4GB data allowance each month (with roll over), unlimited texts and more phone call minutes than I could use. However, they seem very coy about insurance!! Having looked for ages, I cannot find what this is a month, so I assume it must be a lot. This may stop me going for a contract.

So, my question is, "what should I expect to pay in the UK for mobile phone insurance?".

Intermittent internet and no phones this morning

For the 3rd (or 4th?) time this year we have had problems in our area (not the house) with our Virgin Media cable services. Normally it is fast and reliable.  Today our phones did not work and our broadband was intermittent. All seems to be fixed now, thank goodness.

When these basic services fail you realise just how dependent on them you have become. Amongst other things, I could not sync to internet time. Minor really, but it prevented my 6m WSPRing. Now sync'd the PC to internet time, but still having no luck on 6m WSPR.