Stuuk1

I'd say to learn to fix them yourself. I fix all of my phones. I recently fixed a Nokia 5800, cracked screen, dodgy touch screen etc. They are very easy to fix, you just need steady hands and a set of small screwdrivers.

What phone is it? There will be plenty of tutorials on how to fix them on youtube and buy the parts on ebay. Insurance is a waste of money for broken phones, they always mess you about