I’d like to suggest adding laptop insurance to Monzo Premium.
It’s something I’d personally look to get, whether a Monzo feature, or not.
Seeing phone insurance on the list of premium features made me think laptop insurance cannot be a far cry from the former?
They aren’t going to add anything extra like this as it would increase the cost and then you have another variant. They tried a pick your own style and it didn’t work for a variety of reasons.
You’ll be better off and probably get better cover buying it separately as the terms, who repairs it, how it’s repaired etc are key with these and some of them aren’t great at all!
The Monzo phone insurer isn’t great to Premium customers but they give better terms to others.