If you own a Blackberry then you probably already know how instantly handy they are – for running your emails to managing your calendar.

What you may not know is that if you were to lose your Blackberry or if it were stolen or damaged, it would cost a few hundred pounds to replace it yourself.

You see, if you bought it on contract, then the networks heavily subsidize the cost of the Blackberry handset to encourage you into the deal, because you are signing a12, 18 or 24 month contract that essentially says that you agree to give your mobile phone business to them for that period – so the networks know they can afford to discount your Blackberry handset cost accordingly.

That was when you first got your Blackberry…

But they will not discount the handset again if it is lost, stolen or damaged – you would have to pay the full price, which, depending on which model it is will vary from £200 to £600.

For this reason you need to make sure you have an effective Blackberry insurance