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Happened to me 2 months ago, I was insured, went to the police to report it stolen. When everything was arranged with KPN hours later. The cops called, some girl found it and returned it, zero calls made with it. I bought the girl flowers and she was very happy with it, as was I with the phone back.
Then, one week later, my g/f's phone got stolen, she wasn't insured and she had JUST continued her subscription two weeks before and got the new phone. She's screwed now. No insurance, new phone and 2 year's worth of subscription money to pay.
Luckily I had an old but nice phone (8210) for her to borrow.
Still sucks though.
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