I work for Phones4U and am not "ignorant, unsympathetic, arrogant, annoying, unhelpful", sorry but just because you didn't get things going your way isnt our fault.
Do I agree with the phone repair procedure? No. Can I do anything about it? No.
Does it take along time? Yes. Do we produce phones at the back of the store with little elves and dwarves? No. We are the middle men, the network have a tight control with what we do.
The insurance, everything has an excess....its logic...your phone is likely to be stolen within the 4months of you buying it. I dont know about anyone else that works for phones4u but with PAYG phones, i give my customers free insurance to make up for the excess.
If you still want to flame on, then all i can say is, suck it up and dont be bitter and tell me if you get better service in the same scenario with another phone, i can gurantee you will have the same issue.