What phone do you have Stissy?
You can also negotiate the cost of your excess / shop around.
I'm outdoors quite a bit, I also cycle and use my phone clipped to my bike as GPS and to record rides, it's dropped in the garage a fair bit etc, I use one of these:
http://www.quadlockcase.com/
I've got the rubber mac cover as well which makes it water resistant and covers the ports, it's saved my phone countless times, great bit of kit for the money.