Phone insurance?

I'm in a slight pickle at the moment. Do I really need phone insurance? The main this holding me back is cost. I really don't like the idea of money coming out of my account just for insurance. In the long term, it'll be quite expensive..but then again, I can be quite clumsy at times. Although, this time round it may be different because I know I'll be extra careful (or try at least) to look after my new phone seeing as it cost me alot. My bank account looks seemingly low again and I only got paid a few days ago LOL. Ah dilemmas. Why does insurance have to be expensive?! Boooooooooooooo.

For now, I just have to wait for my new phone to come. I just checked my account and they have already taken the money out. The cheek! I haven't even received it yet, so I'm guessing it should arrive in the morning. Fingers cross! I'll figure about the phone insurance dilemma later ha.