I accidentally put my iPhone 6 in the washing machine - was still in my jeans pocket when I took them off and threw in machine. I am covered with my bank Nationwide insurance and they are sending a replacement out for Saturday, my question here is; do I need to inform Apple about the replacement? In the terms of my insurance it says that the replacement will most likely be a refurbished handset and I just need to accept that, but in the terms it also says it comes with a 12 month manufactures warranty. What normally happens in these situations? I have never had to claim insurance for an iPhone before and want to make sure I keep the new handset covered as much as I can. I am also considering AppleCare+, can I purchase this on a replaced handset? The insurance I have whilst it covered it, would have preferred the convenience of walking into an Apple store and getting a replacement there and then. Thanks.