If you have paid out for a new Blackberry phone it makes sense to do everything you can to protect it. If you want gadget insurance cover it may make sense to shop around and compare cheap BlackBerry insurance cover in order to find the most appropriate deal for you. However what goes towards making insurance cheap?

Defining “cheap” insurance

Everybody’s definition of cheap may differ. You may find what you consider to be a cheap BlackBerry insurance cover, but which someone else may think is expensive. Cheap means different things to different people so there really is no such thing as a “cheap” policy, it’s just an individual’s perception, based on his or her own particular needs. If you are able to afford the premiums and the policy provides what you need by way of benefits, then it may be a cheap insurance for you, but not everyone.

While you will not want to pay over the odds for the insurance you also have to ensure that you have the most suitable policy and benefits. Checking out the terms and conditions, exclusions and limitations is essential as these typically differ between providers. With some providers you may get more for your money than with others. For example one provider might offer:

· a replacement BlackBerry in 48 hours following your successful claim;

· a policy against liquid damage, say as the result of knocking over a drink and liquid gets into the phone;

· protection against the loss of data;

· cover for loss, theft or damage of the phone while travelling inside and outside of the United Kingdom.

However another provider asking for the same cost may exclude liquid damage or may not offer data back-up. So, it may pay to shop around and compare phone insurance on a like-for-like basis and not just look at the cost.

It’s the benefits and small print that matter

Taking on a policy for your Blackberry is a great deal more than just looking for low cost cover. Particularly if in your excitement to find an affordable policy you forget to check the wording of the cover policy. Any insurance policy for gadgets comes with some things that you cannot claim for, called exclusions. Checking these out before taking on the policy is essential. Otherwise, if you are blind to the small print you may believe that you have protection for something when you do not.

When you take all of the above into account you may be able to see why insurance is essential – getting mobile phone insurance protectionthat gives you the level of cover your phone needs is probably the most important consideration.