[jopsen]

> When it comes to something like a phone, I just figure 'it's a risk I am willing to take'.

I feel like the option to insure a phone is a money grab.

An add-on that allows you to upsell a bit more.. it seems like a thing nobody should need.

Same for insuring against have to cancel you vacation.. nobody should ever do that.

But people do, probably because there is a checkbox at checkout that allows you to easily add an "insurance".