Doesn't your phone just get swapped?
Here in the UK we have a contract (usually for 2 years) that includes the phone, data, texts and calls. At the end of that period you can either cancel the contract and keep the phone, or just take out another contract with another new phone (you still keep the old one). If anything goes wrong with the phone (including loss or damage) in that time, I just get another free of charge.
In my case I currently have a Sony Xperia Z5 with 4GB of data, and unlimited calls and texts for ?35 a month.
|