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Wont insurance go up next year. Happened with my parents a few years back. Dependant on how much I can't really see the point in going through insurance.
OBV if it's a 64gb Retina then it'll be worth it.
Me and Jezzamac made a tool out of a socket. Cut the top of it so you can put a 21mm spanner on it then use the hole for the socket to put an Allen key through. Jobs a good one then!