I'm 23 and have just started a job having just graduated. I have a bit of money saved up as I worked a lot while at Uni...is it a good idea to get a BMW 1 series or a 3 series? I have looked up some insurance quotes and they're not too bad, quite affordable, but the only thing I'm worried about...
I have insurance on my iPhone and it covers accidental damage, loss etc.
So if I lose my iPhone will they just send me a new one? What's stopping me from "losing" it on purpose or hiding it somewhere and claiming I lost it? I want to understand how exactly it works.