I was the same until I got my S8+. Slippery little bugger. New screen once and cracked the back twice. Now I just live with a cracked back as I don't even know how I did it a second time as it was in a case and hadn't been dropped.
What are people doing with their phones that cause all these claims? Years and years of mobile usage, smartphones as soon as they existed, wife the same, but not one single lost or broken phone!
does it cover over 18s in the family or just minors for all the insurances?
The iPhone X is covered. https://twitter.com/sanjeetkahlon/status/938066349703815168
Natwest the excess is £100, I am with them at the moment and was hoping to get the £125 for switching but it has to be from an external bank. Just realised with nationwide you can get £100 through refer a friend might be leaving the bank I've been with since I was a teenager.