You can start a claim the day after you signed for the insurance. Just don't tell them that you made the damage days before. lol.
You can't avoid the 100 deductible. few weeks ago i lost my touch pro, and for 100 bucks (yeah, i know, too much) they sent a new touch pro sealed in box with accesories.
I tought i was getting a refrubrished one. Like my brother did last year with his diamond.
f*cking thieves.... 100 bucks!!!!
EDIT: go ahead and start the claim!!!. read the TOS: if you send them your demaged touch pro, they'll waive you the fee!!!. Just start the claim as a damaged returnable device.
You only have to pay if you don't return the demaged device.