Mobile Phone Insurance

I just got a text from Virgin Mobile telling me my mobile phone handset insurance is going up to $13/month.

Can anyone recommend an alternative? I had a quick look at Trov and that seems good, but it almost seems too good - if that makes any sense.

I know I can get the option to include portable coverage on my contents insurance, but (and I might be wrong) wouldn't the excess make a claim almost worthless?



    I chose $0 excess on my portable contents :)