Just after a little bit of advice. I have an 18 month contract with Orange - got about 3 months left. Great service etc a few days ago I broke my phone by knocking into a sink full of water and although I have the insurance with Orange I was worried they would not pay out because it was an accident so ever since I have been using an old nokia on pay as you go. I was just going to buy a new phone and then get them to send me a new sim out saying that I took sim out and it broke.. but then thought I should just ring them and tell them what happened and get a new phone since I have insurance - what do you think they will say - do they offer you a new phone for this kind of thing as I cant find my policy guidelines anywhere.
Any help would be appreciated.