Phone

[Leslie]

My screen is cracked and I’m not sure if my phone is insured and if I’m not how will it be to get it repaired

[MI5]

If you have O2 insurance it will show as a bolt on in your MyO2 and you will paying a monthly price for it. Some tariffs also came with a free screen replacement, but again, it will be a bolt on. If you do have O2 insurance, you should contact customer service to process the claim, if not, I would recommend going to Apple directly.
O2 customer services http://www.o2.co.uk/contactus
Apple link https://support.apple.com/en-gb/iphone/repair/service/pricing

[Bambino · Accepted solution]

@Leslie Many home insurance contents policies cover mobiles, so it's possible that you may be covered for loss or damage under that, if you have one. Worth checking.

[MI5]

Generally speaking you have to pay a specific policy for mobile insurance or it is included within another policy of some sort, so you'd know if you were paying for it.