(Accidental damage) hairline crack on screen - is it claimable

keldar89

Hi,

I have accidental damage covered by my phone insurance with love it cover it. The other day while getting out of my car, my phone dropped out of my pocket from merely a foot. This caused a hairline crack in the top-left corner of the screen. There's physical damage to the screen but the screen still operates.

I am wondering whether this is claimable? The terms and conditions state:

Accidental damage shall mean unintentional damage caused to your device including broken screens, which makes the use of the device unworkable

The issue is, the device is working... but the same can be said if the glass screen cracked into tens to hundreds of pieces (like a higher drop can cause), the screen still operates in most instances. So I am wondering if anybody has had any similar experience they can shed advice on? The screen itself is actually cracked. Is this claimable?

Thanks.

Edit: corrected grammar.

rudekid48

Only your insurer can answer that question

agrinnall

Serious damage to the screen will also damage the LCD elements - I dropped a phone some years ago and as well as a crack in the screen half of the pixels stopped working. I doubt if a claim would succeed in your case.

Blibble

Is there "unintentional damage caused to your device including broken screens, which makes the use of the device unworkable"? Also, is there a term noting that cosmetic damage is / isn't covered?

FWIW, the insurer I work for (not Love It Cover It, I hasten to add) has the latter term and a similarly worded former term, however we would still cover this incident.

Best to check with the insurer direct, though. Make an enquiry before setting up the claim in case it invalidates any NCD / goes down as a loss which increases premiums.