FUUUUUUUUUUUUUUUUUUUUUUUUUUUCK!!!!!!!!!

I just dropped my iPhone and the screen has smashed.

:(

The touch screen functionality still works like a dream but it's all mongified.

I phoned O2 and they said it will cost £150 to get it repaired by Apple. I don't have an insurance on it and accidental damage is not covered by the default AppleCare.

Fuck fuck fuck.

What do I do folks?

What are my options?

The man on the phone said my bank account may cover me but I don't think it will as it's an RBS Graduate Account. How do I find out if I'm covered before I phone up and say it's broken?

FUUUUUUUUUUUUUUUUUUUUCK!

Help!