IPhone glass screen shattered

Hiya,
        Two days ago I slipped my phone from my pocket in effort to get a phone call. To my surprise the front glass is shattered badly. I can see the screen and touch screen works perfectly fine but its just the glass that's shattered. I've done some search and found out that apple had actually replaced some customers phones which had shattered glasses. So I tried my luck at local store. The dude just refused it straight away and said its an accidental damage.
He offered me £140 for just replacing the glass which would only take 5-10 minutes in store. The amount of money apple is charging is ridiclious for just replacing a glass when the screen and touch system works fine. Anyway I tried calling my insurance company and they also want to rip me off by claiming £100 as an excess for iphone 4.
     I'm stuck in delma whether to get it done from apple or from my insurance?? My insurance assured me I would retain apple warranty as they are verified and certified apple products expert.
   Can anyone suggest a cheaper option? I live in east london in essex near ilford. Someone who could do the job properly plus cheaper but great!
Thanks in advance

Your options are limited. Accidental damage is not covered under warranty or Apple Care. If your "insurance" are "verified and certified apple products expert" then the charge through them should be the same as directly through Apple. If it isn't, I'd question their authorization to service the iPhone specifically. Apple authorized does not necessarily apply to ALL Apple products.
Just get it done through Apple so there's no question as to warranty. You can probably have it done cheaper at a 3rd party service shop, but your warranty will be gone.  It's already gone, so that may not matter to you.

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