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Is Blackberry Insurance Really Necessary?
Blackberry Insurance - Why?
It is vital to know the reason why you want a Blackberry insurance. There are 2 main reasons why you would want to insure your Blackberry...
1. Necessity to cover the high cost of replacing your phone
2. To get your phone replaced quickly and easily
1. So as to cover the high cost of replacing your Blackberry.
The amount you paid for it is probably much less than the cost of the Blackberry. As they want you to use their phone network and pay them for your calls both pay as you go and contract mobile phones get largely subsidised and discounted by the network. BUT when you come to replace your Blackberry the phone networks will usually NOT subsidise the handset so you have to pay the full amount - usually hundreds of pounds.
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. Search in www.google.co.uk for "pay as you go Blackberry" to get more details about the price.
You can simply buy a new phone as it is not economically viable to insure the phone because some phone insurance policies charge you so much each month. You need to run a simple calculation, which will be different 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.
If you are a contract Blackberry customer, you have to 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. When compared to this number if the monthly premium is less then it is an indication that the insurance is worth while.
The Blackberry Curve 8900 on the pay as you go is £399 is an example at the moment. Divide £399 by 12 months = £33.25 for a month. Insurance may be a good option as this is a lot more expensive than the insurance per month is likely to cost.
This example makes it clear that Blackberry insurance would cover this phone under the Standard Policy cover at £5.88 a month (plus discounts)
Spend 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). So your replacement cost would only be as low as the pay as you go cost, no matter when you replace your Blackberry mobile phone, or how long you wait.
Your decision to insure your Blackberry mobile phone depends on how you decide how likely it is that your Blackberry mobile phone might be damaged, stolen or lost etc. It is your decision if your probably going to be safe for 18 months or 24 months.
Even over a 24 month period, 24 x £5.88 (insurance premium) = £141.12 is still considerably less than the replacement cost, and so considering this insurance again is worth it.
2. To replace your phone quickly and easily
Consider yourself without your Blackberry for days- is this acceptable to you?
If this is OK to you, then great. With any Blackberry company you need to carefully check what the turn around time on a claim 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 rapid replacement time is promised by some Blackberry insurance companies.
For you to manage and stay on top of the process which is a key part of a rapid replacement - call the insurance company daily and ask for an update so they know how important your Blackberry is to you. As some customers are not worried about when they get it, so not all are worried about replacement time. Let the insurer know if you want a quick replacement. By making sure that you have their Claims telephone number you can telephone them daily after making a claim. Also, before you choose a Blackberry mobile phone insurance company, make sure you can send your claim form online or by email, or fax, so they get it immediately. You can speed up the process of your insurance claim with these facilities. In case your phone is damaged you may need to send it to them - so send it yourself using a courier as this is the fastest way to reliably get it to them.
So these are the main things to consider for your Blackberry Insurance
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