Is buying a phone with monthly instalment haram?

I'm intending to buy a phone by monthly instalment, but not sure if its halal or not? Details about the credit: • APR including taxes: 0%. (interest 0%). • No application fees. • Monthly insurance fees including taxes: under 60 years old 0.077%, under 75 years old 0.11%, under 78 years old 0.143%. My main concern is the **monthly insurance fees** and the fact that even though the phone is from Samsung the credit will be processed by another Company.