Mobile phone cracked screen

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Can anyone recommend a good insurance for cracked screens?
Having cracked the screen on my old phone and not been insured I don't want to get stuck again with my new phone. A lot of companies say that they insure cracked screens and accidental damage but then when you read the small print it says that it's not insured if the phone is still functioning normally, which with cracked screens they often are functioning just fine.
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