Mate i'm only joking, don't take it seriously lol...... keep it i am changing mine soon anyway been a while lol
iPhone 6 baby...
iMac 24", 2.4Ghz, 500GB, 4GB RAM
Macbook Pro 2.4Ghz, 250GB, 4GB RAM
If you take out a loan now there HAS to be a 28 day cooling off period on insurance.
Your always best taking it out as if your a boarderline case to fail or reject they'll look at the extra profit and the person dealing with your loan (who will be targeted) will do anything they can to get it approved. They'll also treat it as a priority when you send the documents back etc.
Once the loan is paid out you ring up and cancel the insurance ignoring all the bullshit they give you.
I know this because i used to work in consumer lending for a few companies.