It is vital to ascertain why you want BlackBerry insurance. There are 2 main reasons why you would want to insure your BlackBerry …
1. To cover the high cost of replacing your phone
2. To get your phone replaced quickly and easily
1. To cover the high cost of replacing your BlackBerry.
Your Blackberry most probably actually cost far more than you paid for it. Both pay as you go and contract mobile phones get largely subsidised and discounted by the network to encourage you to use their phone network and pay them for your calls. 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 find the replacement price of your Blackberry mobile phone, the easiest way to do this 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. Simply search www.google.co.uk for “pay as you go Blackberry” to get the price.
Some phone insurance policies charge so much each month that it is just not economically viable, because it will cost you more per year to insure the phone than it would to simply buy a new one. 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. This is because 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, first simply find the replacement Blackberry mobile phone cost (as a Pay As You Go as described above). Take this number and divide by 12 months. If this number is larger than the monthly insurance premium then it is an indication that the insurance is worth while.
For example at the moment the Blackberry Curve 8900 on pay as you go is £399. £399 divided by 12 months = £33.25 per month. This is a lot more expensive than the insurance per month is likely to cost, so the insurance may be a good option.
In this example, Blackberry insurance would cover this phone under the Standard Policy cover at £5.88 a month (plus they do discounts)
12 months at £5.88 = £70.56. This is a lot less than the £399 replacement cost so insurance is probably a good option for this Blackberry Curve 8900.
If you are already a pay as you go user, you will get no further discount from the network 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.
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. You may decide you are 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, so again this insurance is worth considering.
2. To get your phone replaced quickly and easily
Imagine being without your Blackberry for days – is this acceptable to you?
If this is OK to you, then great. If your phone is vital to your business or your personal life, you need to check carefully what the turn-around time on a claim with any Blackberry insurance company is. 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!
Some Blackberry insurance companies do promise a rapid replacement time.
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. Some customers are not worried about when they get it, so not all are worried about replacement time. You need to let the insurer know that YOU want quick replacement. You do this by simply making sure you have their Claims telephone number, and telephoning 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. This clearly speeds up the process of your insurance claim. If the phone is damaged you will likely need to send it to them – send it yourself using a courier because this is the fastest way to reliably get it to them.
So these are the main things to consider for your Blackberry insurance
By: blackberry
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