Ds2 is autistic and dyspraxic. (He doesn't live with me) He had a new Ipad bought for him by my Mum last year when his old one developed a bulge in the battery. I carefully took out insurance which was sent to me. I signed it and sent it back...
Last night he knocked water onto it and rang me and woke me up to tell me.
I've checked the insurance and accidental damage isn't covered. I can't afford to buy a new one and I'm not sure Mum can. He has contents insurance but that will take ages to sort out and he needs another one straight away as its his main way of communicating! I wish I had checked the insurance before I signed the documents..