Blackberry Insurance

Blackberry insurance is something that you will definitely want to invest in if you have the latest Blackberry model, because it’s going to be really pricey to replace if something happens to your phone. According to the latest statistics in the US, crime is on the rise and there are literally hundreds of mobile phones in particular are getting stolen every single day. So how do you protect yourself from suffering more than you have to from the theft of your Blackberry phone? Simple, you buy Blackberry insurance cover so that if it ever gets stolen, lost or damaged, you can claim on your policy to get your phone replaced or at least have the full value of the phone reimbursed to you.

Not everyone will need Blackberry insurance, especially if the one that you’re using is one of the earlier models that you’re still going strong with after all these years. The cost of replacing these phones with a like for like model is rather cheap, with many similar models going for low prices on sites like Amazon or Ebay. It’s definitely not worth the cost of your premiums and excess to insure these Blackberry models with Blackberry insurance. But if you’re running on the latest Blackberry model, then the cost to you for repairs or replacement will be significantly greater. In this case, you’ll definitely need Blackberry insurance.

How Does Blackberry Insurance Work?

Typically, with Blackberry insurance, you pay a monthly premium and you get cover for your phone. This monthly premium can range from £5 – £10 a month, depending on how comprehensive you set your cover to be. There are many different coverage options that you can opt to get, including accidental damage, fraudulent call cover, theft, liquid damage and international cover. Obviously, if you don’t travel, you don’t need international cover on your Blackberry insurance policy. It’s important to check with any potential provider as to the level of your cover, and not just accept their standard policy. You may be faced with a nasty surprise when you try to claim and you discover that what you’re trying to claim for is simply not covered by them.

To make a claim on your policy when the unexpected happens, like when your phone is stolen, lost or damaged, you will have to pay an excess fee of between £50 – £100. Normally you will have to include a police report or proof of damage with your claim as well, but generally any good insurer will make good on your Blackberry insurance policy with the minimal fuss. Of course, it’s up to you to make sure that you shop around for the best deal at the start so that you know that you are going to have no worries on your claim when the time comes.

How To Get The Best Deal For Your Blackberry Insurance

Normally, when you purchase a new Blackberry, you will be offered Blackberry insurance by your mobile provider. It’s important to note that if you sign up for a contract to receive the free phone, the Blackberry insurance is not included as part of your contract. It is considered an “extra” that you will have to pay for outside of your contract fee. It is seldom if ever included in the contract, so never assume that it is. Generally, they’ll try to get you to quickly commit to such an insurance policy, but you should never make the rash decision to sign up with them on the spot. Normally, what they will offer you is much worse than you can get elsewhere, because they’re counting on your lack of experience and research to try to take advantage of it and get you to sign up for it blindly.

It’s extremely important to shop around and have a good idea of what kind of terms are being offered by different insurers out there. You should always read the fine print, and ask your insurance representative if you have any questions. Only sign up when you have done your research and are clear on what kind of cover that you want. When you’re ready, one way to get an excellent deal is to contact your existing insurer for your home and contents and ask them if you can bundle phone insurance into the deal. Normally, you’ll get a much better rate because you are an existing customer.

What About Self Insuring Instead Of Getting Blackberry Insurance?

There are certain people who would recommend that you self insure your Blackberry instead of getting Blackberry insurance. While this is good advice for those people with old, outdated models of the phone that can be replaced easily on Amazon or Ebay, for those of you with the latest models with all the bells and whistles it’s a different story entirely. Just imagine, you paid so much money for your phone, and it’s going to cost so much to replace it if anything happens. Are you going to accumulate enough through self insuring to cover such a huge cost? Obviously not! That’s what insurance is for, it protect you from a huge loss when the unexpected happens. Most people only see the value of Blackberry insurance after their phone has been lost, and by then it’s way too late.

The Verdict On Blackberry Insurance

All in all, I would recommend that you invest in Blackberry insurance if you have a newer model of the phone that is worth at least £500 and above. If your phone would only cost one or two hundred pounds to replace, forget about it, because it would be cheaper to self insure instead of buying Blackberry insurance. However, the newer model phones aren’t that cheaply available yet, so you should definitely protect yourself. Even if you’re careful, you can still suffer from someone else’s actions in the form of theft or damage, so save yourself the headache and do the smart thing. Invest in Blackberry insurance and you won’t regret it, I’m sure of that.