What to say to the insurance...

Hello, I just broke my Galaxy S2 (the screen is shattered everywhere, it won't turn on.. basically, it's deaaaad). When I bought it, I took out an insurance policy (ATM) for €9 per month, but I learned that it would only work if there was "a sudden and unforeseen cause." So, I would like to know if the insurance would be valid if I tell them this (it's pretty much what happened):

"I was on the stairs at my high school texting, and someone bumped into me; it startled me and I suddenly dropped my phone. It tumbled down the (25) steps of the stairs and when it hit the gravel, several people walked on it because it was break time, there were a lot of people and no one noticed my phone."

Thank you in advance for your help.

(here's a photo: https://www.facebook.com/photo.php?fbid=251004511604193&l=365439bdbc)

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