It was very tempting to take out the insurance but I was already covered on my home insurance so I thought I'd rather take a bigger excess hit than go along the fraud route.
RichDog, I'm afraid collisions between complex objects are never simple physics. Concrete is hard but the phone will have many different properties such as the elasticity of the plastic casing and maleability of the metal casing. Both of these act as shock obsorbers to disipate the energy of the impact, hence why almost all mobiles would have survived wih minor scratches. Mobile phone designers should incorporate a certain amount of impact tolerance into their products as almost all will be dropped at some point in their expected life. Mine only dropped from a height of three feet, a fall which almost all mobiles will have survived with minor scratches.
Google Nexus S (rooted stock)
Past phones: HTC Hero, MDA Vario III, MDA Vario II, MDA Vario I, MDA Compact, HP iPAQ H1930 (PDA)