Sorry for any confusion!
We think most customers who damage their phone will be best of sending their device into Assurant. This is a super fast process, which works smoothly. They send your phone back by DPD, so you get an hourly delivery slot, and a bunch of other delivery options.
In cases where this isn’t possible for you, Assurant will work with you to find the best way to repair your phone, including in-person options.
It’s important to note that this isn’t Apple Care - if the most important feature for you of phone insurance is being able to walk into an Apple Store, and walk out with a phone, Monzo Premium might not be your best option. But for most people this will work great!