Me and my ex partner had contract mobiles from the 3 network ,recently her Sony Ericsson k7/800 ,suffered a cracked screen for the second time (they are very fragile) the 3 insurance wasn't worth a hoot to...
If you have a normal 2G orange phone and you buy a 3G phone on ebay do not expect to be able to use the 3G facilities. Orange 2G sim cards cannot operate 3G and they will not let you have a 3G sim card unless...