Blackberry Insurance – Why?

It is vital to ascertain why you want Blackberry insurance. The reason why your Blackberry has to be insured has 2 main reasons…

1. Your Blackberry needs to be insured to cover the high cost of replacing your phone
2. To get your phone replaced quickly and easily

1. Also it can cover the high cost of replacing your Blackberry.

The cost of your Blackberry is most probably far more than you paid for it. The network offers subsidised and discounted rates for both pay as you go and contract mobile phones to encourage you to use their phone network and pay them for your calls. Usually the phone networks will not subsidise the handset when you come to replace your Blackberry so you will have to pay the full amount – Usually hundreds of pounds.

It is easy to find the replacement price of your Blackberry mobile phone by buying the new phone as a pay as you go ( which is discounted slightly by the networks ) rather than as a contract phone. All you have to do is search www.google.co.uk for “pay as you go Blackberry” for you to know more about the price.

Each month some of the phone insurance policies charge so much which is just not economically viable, as the cost per year to insure the phone is more than it would to simply buy a new one. Are you a contract customer rather than a pay as you go Blackberry mobile phone customer, you need to run a simple calculation which will be different. This is exactly why after the 12 month contract period the contract customers can usually upgrade their phone to a new phone – this means that contract customers can then get a highly subsidised new Blackberry.

In case you are a Blackberry customer, first simply find the replacement Blackberry mobile phone cost (as a Pay As You Go as described above). Find out the cost by dividing this number by 12 months. If the monthly insurance premium is less in value when compared to this number then it is an indication that the insurance is worth while.

Say for example at the moment the Blackberry Curve 8900 on pay as you go is £399. When divided, £399 by 12 months = £33.25 monthly. As this is very expensive than the insurance per month is likely to cost, so the insurance may be a good option.

In this example, Under the Standard Policy cover Blackberry insurance would cover this phone at £5.88 a month (plus discount benefits)

Pay for 12 months at £5.88 = £70.56. A probable good option for this Blackberry Curve 8900 is insuring it as it is a lot less than the £399 replacement cost.

In case you are already a pay as you go user ,the network will offer no further discount than the usual pay as you go price (contract customers get much more discount). Know that your replacement cost would be only as low as the pay as you go cost, no matter when you replace your Blackberry mobile phone, or how long you wait.

It is for you to decide how you are going to insure your Blackberry mobile phone, because you have to decide how likely it is that your Blackberry mobile phone might be damaged, stolen or lost etc. You may decide you are probably going to be safe for 18 months or 24 months.

For even a period of 24 months, 24 x £5.88 (insurance premium) = £141.12 is still considerably less than the replacement cost, so again this insurance is worth considering.

2. To get your phone replaced quickly and easily

If you have to be without your Blackberry for days – is this acceptable to you?

If this is fine to you, then great. Carefully check the turn around time on a claim with the Blackberry insurance company if your phone is vital to your business or your personal life. If they do not promise a rapid turn around time of 24 to 48 hours, then do not assume they will be fast – some have waited weeks!
Some Blackberry insurance companies do promise a rapid replacement time for our convenience.

A key part of a rapid replacement is for you call the insurance company daily and ask for an update so they know how important your Blackberry is to you this is how you to manage and stay on top of the process. Some customers are not worried about when they get it, so not all are worried about replacement time. It is necessary to let the insurer know that you need a quick replacement. Simply make sure you have their Claims telephone number, to telephone them daily after making a claim. For them to get it immediately, make sure you can send your claim from online or by email, or by fax, before you choose your Blackberry mobile phone insurance company. This clearly speeds up the process of your insurance claim. Courier is the fastest way to reliably get it to them if your phone is damaged – send it yourself.

So these are the main things to consider for your Blackberry Insurance