[rorytmeadows]

Originally Posted by bobturismo

But premiums are based on the fact that all settlements are going to be replacements, so it doesnt matter what happens to the phone, theres only one outcome, a replacement.

Even if the other phone was perfectly fine and not cracked, it still wouldn't matter because thats what you pay the premium for, to get a phone when you want one. but everytime you claim a hpone, you risk not being able to get one the next time.

Beautifully said.