Choosing BlackBerry Insurance Cover

When purchasing a brand new BlackBerry you may wish to invest in mobile phone insurance protection. As you well know you cannot predict what may lay around the corner for you. If you are unfortunate and something happened to your new phone, with mobile phone protection you may get your phone repaired or replaced within as little as 48 hours of a successful claim (subject to terms and conditions and less any policy excess). However, choosing BlackBerry cover may not always be easy.

So how do you find the most appropriate phone insurance for your BlackBerry?

What you get for your money

One of the considerations when looking for BlackBerry insurance protection is of course the cost. Once you have found a policy where the cost looks affordable, then it makes sense to see what the gadget insurance offers for the monthly or annual premium and compare mobile phone cover with other provider’s policies.

Policy features and benefits do vary, depending on the mobile phone insurance protection provider. While providers may offer different things you could find you are protected against:

· theft;

· the breakdown of your phone after the warranty expires;

· damage classed as accidental;

· loss of the phone.

Once you have checked the elements of mobile phone protection the insurance cover offers, look at other policy benefits. You might wish to check:

· if a successful claim is made does the provider offer a fast replacement? Some providers may guarantee a replacement within a period of 48 hours;

· is your BlackBerry protected if you take your phone on holiday or on business outside of the UK;

· are you offered back up for your contacts. If for example your phone was stolen or lost and you were able to claim successfully, with mobile data back-up you are able to retrieve your data and transfer it on to your new phone. If not you could say goodbye to your data forever.

What about the small print?

Spending a little time to read the small print before taking out your BlackBerry insurance protection may help you to avoid nasty surprises:

· check out what is and is not covered (these are conditions or circumstances that are not covered by the phone insurance protection);

· what is the age of your phone? Some providers will only insure your phone if it is less than six months old;

· how much excess do you need to pay on your insurance? (When making a claim there is generally an amount you are obligated to pay towards a claim – this amount is called the excess). Compare this as with some providers it may be more than with others.

Your phone is important to you and BlackBerry insurance covermay be just as valuable. So, just as you took the time to choose your phone, spending some time choosing the most suitable insurance for your needs may not be a bad idea.