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Bank Insurance Claim?

I work for a mobile phone provider and therefore bought a mobile phone for my wife that reduced the contract price by 50%.
She has an iPhone XS and recently smashed the back of the phone. 
My wife has mobile phone cover with her bank and however what would be the process of claiming via the bank even though the phone is not registered in her name? 
Any way around this as the contract has to be taken out in my name to apply the discount? 

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