Managed to drop my phone (a OnePlus 6) today and (despite screen protector and case) managed to destroy the screen and even part of the casing - first phone I've ever broken or lost.
My insurance company manages phone claims via JB Hifi, which of course doesn't sell OnePlus; JB have identified the Galaxy S10 Plus as the equivalent model, so I could simply accept this for the cost of my excess ($250); if I want to try to stick to a OnePlus I'd need to have the broken phone assessed and then they'd work out an amount to pay me (provided it wasn't repairable), so it's a bit of a gamble as to what they'd give me for it.
It seems logical to take the S10 Plus offer, especially given the superior camera and full compatibility with my Galaxy Watch. It also means I could no doubt pick up my replacement phone today, rather than flaffing about with having the old one assessed (and having to use my wife's old Huawei P8 - not even a fingerprint reader!). But I'll also miss what has been my favourite phone I've owned, and I've not been impressed with Samsung's record with updates (both regularity, length of time to get full version updates, and length of support for their products).
So is this a no-brainer decision, or is it worth taking my chances and seeing what I can get to go towards a different OnePlus?