Ah, yes. Household insurance. I daresay you're right. Trouble is, it would require faffing about making a claim and weighing up the risk of increased premium. Which in turn would involve a conversation with and full disclosure to my wife. When it comes to revelations about shattered phone screens, I'm all for super injunctions, gagging orders and generally keeping a bit schtum. Terrible thing, embarrassment.
To close this thread for anyone interested.....
I went to a small firm near where I live in the east midlands. I spoke to the technician. He fitted a new screen in a little over an hour. They charged me an extra £15 for a while-you-wait service. Which was ok-ish, but I decided to go for it because I'm out and about all day tomorrow, and then it's another blinking bank holiday weekend..... So otherwise it would have been another week without it.
Basic cost £58.90. Could have been worse.
Thanks for the advice.
and only you and the whole forum know about it LOL