I’ve never bought AC+ in all the years I’ve owned iPods, iPhones and iPads. My property is insured through my home and the idea of giving Apple hundreds of pounds for insurance policies doesn’t sit right with me. My iPhone is in a case and I’ve never smashed a screen or damaged an iPhone. Perhaps I’ve been lucky with the products I’ve owned as they sound a lot more reliable than your experience. My wife has been using Mac’s since the mid 90’s and never needed a repair or replacement. If the worst happened I think I’d rather use the money I’ve saved not buying AC+ or let my insurance sort it out.