Going into debt to avoid unforeseen costs that could get you into debt is as convoluted as it sounds.
Make sure you need the type and level of insurance you’re considering. For example, do you lose/break your phone frequently enough to justify the monthly cost of cover? Use your Money Dashboard account to keep track of the expense and see if it really does add up to better value.
It’s also sensible to try and avoid paying insurance via direct debit which, far from being a cheaper option, is usually a form of loan to which the provider adds interest payments — pushing up the overall cost of your insurance