I don't think that matters, there doesn't seem to be a level of stupidity test.
I dropped my ipad by lifting it the wrong way and watching it slip out of its cover. No questions asked - they paid out.
Tin, it used to be that you had to be invited to get the cover, but now it appears on their website that you can apply for it.
edit to say: now checked and it is exclusive to card members, but the simple answer is to become one.
Last edited by Adamantium; 15th August 2013 at 12:31 PM..