As a loyal VF customer I have been very upset to find that the insurance I have on my phone is not appropriate to the job. I have 3 phones and 1 ipad on a business contract and have always asked for insurance on my handsets. When one of the handsets broke recently VF told us it was not insured at all. Havinf checked my online info it confirms this and because we cannot prove that when the handset was taken out we asked for insurance then we can do nothing but continue to pay over £40 per month for a phone we cannot use for another 15 months! Also my I phone has a broken speaker so I cannot use it, I checked the insurance and was relieved to find it was covered. I rang up VF to be told that as it was outside warranty it would have to be a claim so I duly went through the processs and rang VF who asked me what had happened, I said that the speaker had stopped working when asked how it had happened I said it just stopped. The person from VF said that it was a warranty issue and because it was out of warranty and it was not actually damaged then it was not covered by insurance and I would have to pay £150 to have the phone repaired! This seems completely ridiculous and I am now stuck in 2 contracts with phones I cannot use at the cost of my business. Surely there is a solution to this.