Black Standard

Blackberry Insurance: Is It Necessary?

Blackberry Insurance - Why?

It is an important aspect to ascertain why you want a Blackberry insurance. Why would you want to insure your Blackberry has 2 main reasons...

1. To cover the high cost of replacing your phone
2. So as to get your phone replaced quickly and easily

1. For covering the high replacement cost of your Blackberry.

Your Blackberry most probably actually cost far more than you paid for it. By giving large subsidised rates and discounts for both pay as you go and contract mobile phones the network encourages you to use their phone network and pay them for your calls. When you come to replace your Blackberry the full amount - usually hundreds of pounds has to be paid by you as the phone networks will not subsidise the handset.

To buy the new phone as a pay as you go ( which is discounted slightly by the networks ) rather than as a contract phone is the easiest way of finding the replacement price of your Blackberry mobile phone. Simply search www.google.co.uk for "pay as you go Blackberry" to check the price.

As some insurance policies charge you so much each month it would be better to simply buy a new one which would be economical. You are required to run a simple calculation, that will vary if you are a contract customer rather than a pay as you go Blackberry mobile phone customer. Because of this very reason contract customers can usually upgrade their phone to a new phone after the 12 month contract is ended - which means contract customers can get then get a highly subsidised new Blackberry.

Contract Blackberry customers can easily find the replacement Blackberry phone cost (as a Pay As You Go as described above). You need to divide this number by 12 months. Your insurance becomes worth while if this number is larger than your monthly insurance premium.

For example at the moment the Blackberry Curve 8900 on pay as you go is £399. £399 divided by 12 months = £33.25 in a month. Why insurance may be a good option than this is because the insurance per month is likely to cost much less than this.

In this example, Blackberry insurance would cover this phone under the Standard Policy cover at £5.88 a month (plus availability of discounts)

For a period of 12 months at £5.88 = £70.56. It is a better option to insure your Blackberry Curve 8900 as this is a lot less than the £399 replacement cost.

In fact you will get no further discount than the usual as you go price (contract customers get much more discount), if you are already a pay as you go user. In case you want to replace your Blackberry mobile phone, or you want to wait much longer You should know that the replacement cost would be only as low as the pay as you go cost.

So it is more about how you decide 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. For18 or 24 months you may decide you are probably going to be safe.

Even over than a 24 month period, 24 x £5.88 (insurance premium) = £141.12 is actually far less than the replacement cost, so again this insurance is worth considering.

2. To have your phone replaced quickly and easily

Imagining yourself not having your Blackberry for days - is this acceptable to you?

If this is OK to you, then great. It is important for you to check carefully what the turn around time on a claim with any Blackberry insurance company is, if your phone is vital to your business or your personal life. Unless they promise a rapid turn around time of 24 to 48 hours, then don't assume they will be fast - some have waited weeks!
A promise of rapid replacement time is given by some Blackberry insurance companies.

A key part of a rapid replacement is for you to manage and stay on top of the process - call the insurance company daily and ask for an update so they know how important your Blackberry is to you. It is not at all a worry for some customers about when they get it, so not all are worried about replacement time. Let the insurer know if you want a quick replacement. By having their Claims telephone number you can make sure to telephone them daily after making a claim. To make sure that they get your claim immediately you need to choose a Blackberry mobile phone insurance company that has online or email or fax facilities. This clearly speeds up the process of your insurance claim. It is better to send it yourself using a courier because it is the fastest way to reliably get it to them as you will likely need it to send it to them if the phone is damaged.

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

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