I smashed my iPhone a few months back and claimed on my house insurance for the replacement value through apple (£140). They said at the time it would put my premiums up a bit, but it’s tiny – maybe £3/month.
Being a clumsy muppet, I just managed to smash the screen on my iPad. Doh. What are my insurance company likely to do for a second (scarily similar) claim in a short period? I’d be tempted to ring them and ask before making a claim, but I’ve heard that they even if you’re just asking questions and not asking them to pay out, they can count it as a claim. (Sounds a little bit like BS to me, but I don’t want to risk it yet)