Guardian of Silence
W:O:A Metalmaster
Nothing's wrong with it, it just looks silly, plus (nearly) any phone designed for durability isn't going to be nearly as powerful and fast as something like the S4. They're probably decent, just not high-end.
That's why "regular" smartphones pretty much need a case. No matter how careful you are, everyone makes mistakes, and dropping a smartphone is a pretty expensive mistake.
Sounds like either he's paying more than he thinks he is, or the insurance company isn't making much money, because insurance here just isn't cheap at all. It's about $10 a month, plus a $200 deductible (payment), so really you're better off just putting that money into an emergency fund. Or buying a case.
I like how it looks.
And dont really know what he paid. he said something like "one time 90€", but he tends to confuse things.