my n gage has packed up when i try and charge it and knock it on it says (start up device not working contact ure retailer)

now im going there tomoz but i hope its just a minor problem. cos i dnt wnna be paying £50 to get it fixed

i have insureance but i have to pay first £50.

can anyone please tell me if it is minor or BIG.

to me it sounds major. i dunno what to do.