We've all felt it, that slo-mo shock-horror as your precious smartphone takes a tumble out of your hand. The relief when the screen returns to your hand unscathed is palpable, but it's enough to bring you to tears if you've ended up with shattered glass everywhere.

It's a feeling that's been keenly felt by butter-fingered iPhone owners, even though Apple offers its own Apple Care insurance policy. 

So what damage exactly is Apple prepared to cover you for, should damage (whether…

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