My body of iPhone is damage can I replace it with new one I have insurance and cover mostly every thing

If the insurance that you mention is Applecare, you will need to check the terms and conditions that you received when you first arranged it, then contact Apple to make a claim if appropriate. If the insurance is with a third-party insurer, you will need to contact that insurer for details of cover. I hope this is useful to you.

Hello ~ Is this a minor cosmetic scratch or broken back glass perhaps? Describe your damage and what type of “insurance?” More technical details needed to assist you.

~Katana-San~