Insurance only covers the device, not the sim @Leigh0485
As to whether o2 insurance is any good, compare that to any other phone insurance policy.
If you have a paid for bank account you may be covered by that - some you have to register your phone, others you don't.
Please note, this is not customer services and we cannot access your account. Do not publish personal details (email, phone number, bank account).
Link to our guide on how to contact them can be found here
