Insurance is a ****!

I took out a third cell phone contract and called on Friday to have my phone insured. I was told they would email me the documents for the insurance, which I am yet to receive. I then asked them to check my second phone if it is insured, because I know for a fact my first one is. I was told my second phone is not insured. I them asked for it to be insured and was told that I cannot insure my second phone because I have had it for more than 30 days. This is very strange because I have gone through the terms and conditions of my contract and i cannot find anything that tells me that I cant insure my phone after 30 days? No-one told me this when I received the phone and I am almost 100% certain when I got my second phone through Game, that I selected the insurance option on the form. I want the forms to insure my new phone and I want answers on this. Why are we not told of that you cant insure your phone after 30 days. Where is this stated in the terms and conditions of my contract, as I cannot find it anywhere. If I do not receive the forms for my third phone to insure it today, I will take this matter further because that tells me you are stalling for time so I cant insure the phone. And I want answers about why you dont tell people you have 30 days to insure you phone and why this is not stated in the terms and conditions. I will take this further to the Insurance Ombudsman and to the Consumer Council, should I not receive a response.