About a month ago I dropped my phone and it went completely dead. It was literally days before I moved house so couldn't send it off to the insurers straight away for various reasons. Anyway, moving house happened, been a busy few weeks and I've struggled on with a phone my sister gave me which is OK but has a smashed screen itself.
On Friday I rang the insurance company (insurance is through bank account) because I was struggling to get through online (computer kept saying no). They said they would do it over the phone but needed my IMEI number which I couldn't get immediately as phone was dead and box is somewhere in the cellar waiting to be unpacked. Finally got the IMEI number, went back online only to find the bank has changed the insurance provider since I rang on Friday and instead of having to pay £25 excess it's now £75! I'm fuming with myself for not sorting it out sooner!
Annoying thing is, my phone is a £150 android, and it would cost exactly the same to repair through the insurance as a £1000 iPhone!