Hi -- Perhaps give these a try ?

http://www.insurance4mobiles.co.uk/

http://www.cover4phones.co.uk/mobile_phone_insurance/mobile_phone_insurance.asp

http://www.reviewcentre.com/products2772.html

Hello, I have recently purchased a new phone
(HTC TyntnII) not on contract.  When I called
my Contract provider to change my insurance over to my new phone, they said they
could not insure me as I did not purchase it from them.   I have been
trying to find a good private mobile phone insurer since then and have not found
one!  

Are you able to advice me with this problem?