iPhone insurance gives you complete peace of mind and allows you to enjoy yourself without worrying about your phone. There's nothing than having to constantly check your pocket to make sure your phones ok. Insurance means that you're fully covered for accidental damage which includes liquid damage and also theft.
It's so easy to spill a drink and for most people it's only habit to leave your iPhone next to you on the table. It only takes a small amount of water to get into your phone and it can completely stop working. Getting a brand new replacement can be really expensive. This is where the insurance will replace your iPhone within 48 hours of a successful claim.
Okay, let's face it; some of us are more clumsy than others! Personally, I tend to drop things all the time and I'm always loosing things! With iPhone insurance you can even claim if you lose your phone! You just need to report the item as lost to be able to make a successful claim.
Even for those of us who are really careful with expensive gadgets and phones. Sometimes it's other people that you need to be looking out for. You could be minding your own business, writing a text to someone, when you get knocked by someone else. Your iPhone could easily get smashed onto the floor.
Having the insurance there in the first place means it's not the end of the world. It certainly doesn't have to ruin a good night out because it's really simple to make a claim and you won't be more than 48 hours without your phone.