Anyone had any good or bad experiences with Orange care recently?

Unbelievably, after waiting about 6 weeks for my 6680 to arrive, I went out cycling on Saturday and lost the blasted thing. Much weeping and gnashing of teeth ensued.

However I have been paying £5 a month for Orange care insurance. Having phoned up to report the phone as lost, and having waited a couple of days, the insurers have decided I've 'failed to take reasonable care' and so am not covered. Carrying your phone in your pockets while cycling is, apparently, a 'failure to take reasonable care'.

Sounds like a bit of a sneaky get out clause. It is wide enough to cover just about any circumstances that you might lose your phone. I can't imagine in what circumstances one would be deemed to have taken 'reasonable care'.
I am quite surprised as this seems like a very hard line to take.

However, the good news is that despite that, Orange are going to issue me a free replacement as a 'good will' gesture. Just as well.