I could actually use the insurance even as the screen was broken. However, one must not forget that the repair would at one of the many certified repairers also cost just twice. As is one secures a risk of 100 Euro for about 50 euros. That's a very good deal for the Versichererin rule. If you were a € 20,000 car assure a similar level (and cars are anyway quite often times damage), the insurance had cost 10,000 euros.
