many thanks both, definately water damaged as my little white squares on both phone and battery now pink.
It has been left to dry on a window sill and in some rice since sunday (so 5 days). But I fear, that prior to this (on sunday after phone fell in water) I did try turning phone on - before searching on the internet to find out this is a complete no, no due to shorting the electrics in the phone!
I don't have phone insurance as such as previousely when I had my bag stolen with a new phone inside company wouldn't pay for replacement phone as it wasn't "removed by force" i.e. at knife point or similar, so lost all faith after this.
I do have a bank account with insurance on, which I think may cover my phone so will check this out first.
Many thanks for your help!