I had been waiting over 4 weeks for a replacement iPhone 3GS 16gb, after ringing several times and receiving the bulk standard texts saying were sorry blah blah blah. I eventually received a text to say that I would receive my phone by the 27th October my phone arrived on that date but was faulty and did not read my sim card. On phoning O2 I was told it is probably a refurbished model argh! I then contacted O2 insure who confirmed it was indeed a refurbished phone and that I would not get a new one. The have arranged another delivery for tomorrow (29/10/10). I mulled overnight about this and had a look at my insurance docs and found a key facts sheet which clearly states a guaranteed new for old replacement. So my dilemma now is do I accept this phone? I spoke to a supervisor who told me there is nothing I can do, but he did say that I had been mis sold insurance. I’m at a loss as to what to do now. Any help would be greatly appreciated.