Yep, that's the type of policy i'm after, but nobody in the UK seems to do it.
Lots of retailers like PC World (like Best Buy in America) and John Lewis do accidental damage insurance as an extra when you buy from them, but then you are stuck with the stock system, and I would prefer a built to order system. Why does Apple not offer this? Most other manufactures do, it must put lots of people off, especially students like me.
Thanks for the advice so far.