Don't know if you pay for your current account, but I'm with Barclays and they charge me £19.50 a month for a bunch of strap on benefits. Having worked in finance previously I was super skeptical, I know they make good margins on these. However, I went out looking for other providers for each individual product and I got some quick quotes and found I couldn't get them all for less.
Phone Insurance
Gadget Insurance (iPad) - £193 pa (combined quote including phone above)
Worldwide Family Travel Insurance - £45 pa
RA Comprehensive Breakdown (including Europe - £183 pa
I've had a replacement phone out of them and two visits from the RAC, no issues actually using any of the services. I should add, I don't have contents insurance, so none of these would be covered elsewhere.