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advice on options (wildfire)

I wonder if someone could give me some advice on this.

Not long ago got my son an HTC wildfire s, to cut a long story short the screen is cracked, now you cant answer calls or texts as the touchscreen doesnt work.

I have taken it to a phone shop which charge £40-£45 to fix it. It has insurance on it but the excess for the first claim is £50.

I'm not sure what to do here? is it worth claiming on the insurance. are there any cheaper ways to fix it
thanks
Save £300 in Jan £515/£300-Lose 10 lbs in Jan- 8/10,Cap One M/C £0/£200,Cap One Visa £0/£200
Aqua £470/£550, Vanquis £477/£1250,Bank of Dad £1668/£3500, legal aid £0 left, Littlewoods 0, Very £306/left,Choice £0/lefthave paid off in January 742.89

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