I am sorry for your lost, but can i ask you something.... what if you have an a car accedint and your car is not insured what will happen? i will answer you will be paying cash to fix your can and the the part car and the insurance company will not even bother to accept you report, reight? its the same with DHL if you insured your shipment they will give you back the total value of the mobile + the freight cost. and insurace will not cost you more than 120QAR.FYI DHL is the company who importing the Nokia phons to Qatar and never got any problem,