Hi folks,

My wife dropped my iphone down the stairs while using it (shes pregnant and a little clumbsy at the moment) and the phone was severely damaged.

The screen shattered not just cracked and thr home button fell out completely.

The body has also come slightly away from the backing, exposing the components.

All in all a right mess.

I took it into apple to see about a repair and they laughed at me.

It would take a 'small miracle' to get this repaired.

Also they said as its the oldest model (3G) they dont offer repairs even if it was doable.

I doubted it but on the off chance,

I called my insurance company to see if i was covered.

Amazingly they said I was and that a company called IVAL would collect and assess the damage before a replacement would be sent, and that I would have to pay £100 excess.

Today they've called and said they can repair the screen and that everything else works fine.

This will cost me £100.

Im really concerned as the chap in Apple told me it would never be fixable.

I know for a fact it was not just the screen needing repairing so im concerned the work IVAL will be doing may be substandard or just a bit of a patch up that'll go in a month or so.

Ive held insurance all my adult life but have never claimed once,

can I request a replacement as im not happy for a repair?

A bad repair will cost me £100, plus loss of no claims,

plus if something does go on me in a month say,

I bet IVAL would claim its wear and tear and not a result of their work!

Im really lost with the rules and rights surrounding insurance!

Any advice would be great.

Thanks

Hi gm

What does it state in your policy, regards repairs and replacement?

Your insurer will have the option to choose repair or replacement, no doubt it will be in the contract.

They will have the upper hand there.

Apple are not a very ethical company (still pretending they are the same company 15 years ago)

and will tell you anything to get you to buy a new one.

The alternative would be for you to go to a phone repair shop engineer and ask them for their opinion

, if they say unrepairable get it in writing,

you have 2x expert opinions against ival's one.