It says it has to hold a charge, power on, and work. Doesn't mention screen. It's like £300 for a repair and that's about what the phone looks to be worth fixed (S22u, 512gb, burgundy), so if I can get somewhere near the £190 that selecting "no" is offering, that would probably be enough to trade up (and buy the insurance this time, as I'll almost certainly manage to damage it again in 2 years, and one screen is more than 2yrs insurance)