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Iphone + Jb + Insurance claim = Avoid/pass ?

Car  Astra 1.9Cdti SRi
Got a iphone 3gs and when i pulled the contract out i got 6months free insurance,

On friday my phone was on the tool box and my hand were coverd in oil/grease and the hammer slipped from my hand and cracked the screen :o, i couldnt see any cracks atall untill yesturday were i noticed its about 5cm long,

phone is JB but i cant get it back to the restore point because my laptop went kaput and had to get factory reset recently,

Will they replace the iphone how it is? or do i need to factory settings, then put everything back so it looks used,

Ta
 
Ahh, so when i back it up it will save the JB settings etc, meaning when i do get my iphone back either replaced/fix it will be that simple to get it back to normal :s
 
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