Perishable?!? Dude. I've got my Sagem my X1-2 from... bout December '05 and its still going strong today. I DID save and buy an unlocked Moto SLVR in '06 but they stole it 5 months later when I was working at a cellphone store . Would have been good to have insurance then . Problem is, I wouldn't have insured it in the first place!