Interesting. Thank you. Didn’t look at it like that. Actually I normally upgrade after 2 years and currently on a 13 and now looking at a 15 Pro but trying to avoid the big outlay. Think I’d be better off chopping in the 13 with Apple and doing the balance interest free over 24 months which I think is £999-£390 = £609/24 = £25.38. I agree the Apple Care is probably not worth it especially as I have phone insurance with my bank.