The phone insurance is only covered on metal subscriptions with a limit of 800 GBP or 800 € with a 50 GBP / 50 € excess.
Which means you are covered on a maximum of 750 GBP / 750 €
Gadgets are no longer covered on new subscriptions.
Best of luck getting any answers to your question. Even if it does comw with cover the level of cover is ambiguous at best.
Fhere is a thread elsewhere on here where the insurance underwriters say a claim on a mobile is only valid when its in conjunction with a trip of more than two days. Some have had this confimed and some have had contradictory information confirmed. So nobody has any idea and as usual Curve are sticking thier head in the ground and failimg to provide any clarification.