Blackberry Insurance - Why?
Be certain as to why you want a blackberry insurance. There are 2 main reasons why insuring your Blackberry becomes necessary…
1. High cost of replacing your phone can be covered
2. In order to get your phone replaced quickly and easily
1. Covering the high cost of replacing your Blackberry.
What you have paid for it is probably much less when compared to your Blackberry cost. There are large subsidised rates and discounts by the network for both pay as you go and contract mobile phones to encourage you to use their phone network and pay them for your calls. The phone networks will usually not subsidise the handset when you come to replace your Blackberry so you have to pay the full amount - usually hundreds of pounds.
The effortless way to find out the replacement price of your Blackberry mobile phone is to buy the new phone as a pay as you go ( which is discounted slightly by the networks ) rather than as a contract phone. Search in www.google.co.uk for “pay as you go Blackberry” to get information about pricing details.
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. As a contract customer you will need to run a simple calculation, which will be different from the usual Pay as you go Blackberry mobile phone customer. 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.
To find the replacement of Blackberry mobile phone cost (as a Pay As You Go as described above) is the first step for contract Blackberry customer. For you to find the cost take this number and divide it 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.
This is for example at the moment that the Blackberry Curve 8900 on pay as you go is £399. £399 when divided by 12 months = £33.25 in a month. Comparatively insurance may be a good option than this is because insurance per month is lot less expensive.
In this example, Blackberry insurance would cover this phone under the Standard Policy cover at £5.88 a month (plus discounts are provided)
Take 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). No matter when you replace your Blackberry mobile phone, or how long you wait, your replacement cost would only be as low as the pay as you go cost.
It completely depends on 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. whether you are going to be safe foe 18 months or 24 months is what you may have to decide.
Even over than a 24 month period, 24 x £5.88 (insurance premium) = £141.12 is for sure less than the replacement cost, so again this insurance is worth considering.
2. Quick and easy replacement of your phone
Imagining yourself not having your Blackberry for days - is this acceptable to you?
If you feel this is ok, 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 make a promise to provide a rapid replacement time.
If you manage and stay on top of the process by calling the insurance company daily and asking for an update they will know how important your Blackberry is to you this plays a key part of a rapid replacement. Not all are worried about replacement time because some customers are not worried about when they get it. You can also mention to the insurer that you require a quick replacement. Simply make sure you have their Claims telephone number, 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 for sure will speed up the process of your insurance claim. 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