iPhone with Icare insurance does not amount to anything, just a waste of money

My faithfull iPhone XS Max i bought new on contract about 18 months ago and it included a iCare insurance package. Well I look after my phones and as they are a important part of my business I do all my work via it once out of the office. Anyway I was lead to believe this unit was "water resistant" to a depth of a meter for x amount of time etc. This being the top of the range. A few days ago I started having issues with typing and then the unit just went blank and switched off etc. So iCare covers everything I was told and can replace smashed screens twice in 24 months etc. however my phone developed "water damage" and it is not covered....what the hell.... so I can break screens every year but your water proof or resistant phone cannot handle getting wiped down during covid...... really.... typical of insurance.. I am a huge apple fan but the iCare insurance sucks..