Had my first ever phone, an Ericsson EH237, with Vodafone back in the early 90's.
I was paying £5 extra a month for insurance, and when the aerial snapped i went to get it replaced. Showed the bloke in the Vodafone shop and he said it's a tenner for the part. Proudly I told him I had insurance. Then that's £25 he said, with a smug grin on his face, to pay the insurance excess. I paid a tenner and fixed it myself and a month later I kicked them to the kerb when the contract ended. I've never been back to Vodafone and I've always paid attention to insurance policies ever since.
Had a 3 Sim for the boat which was preloaded with 12gb and lasted 12 months, thought that would work out ok as we're only aboard for 8 weeks of the year.
Coverage was great for us, but i wanted to try a firestick on the boat and the Teen tends to spank the data allowance whilst we get on with cruising so needed something better.
Now have a 3 Sim with unlimited data, minutes & texts, with Personal Hotspot & Go Binge for £16 pcm