Sorry I don’t have the answer to your question but an alternate strategy. I never get phones insured because I’ve known various people who scam the system (it is rife in mobile insurance). Who pays for all the fraud? The honest customer who doesn’t plan to say they got mugged somewhere without cctv, or that they accidentally dropped it just as the new model is about to land.
A good solution is to start a pot and put the value of the phone in it and add £10 a month to the pot (if you have the means to do this up front cost, if not then just put in £20 a month and hope you don’t get caught out early on).Then if it gets nicked or damaged you can just buy a new one or get it fixed without subsidising all the fraud and middlemen who are happy to take free money. Phone insurance is really expensive!
Also, EC1 has one of the highest motorbike phone jackings anywhere. They know affluent tech people are wondering around cluelessly with thousand pound phones hanging out so it is their hunting ground. Don’t have your phone out while walking down the street, at a bus stop or traffic lights and you are 99% less likely to have your phone stolen.