With SO-SURE insurance you can have your cake and eat it!

SO-SURE makes it fast and easy to claim when you need us. And when you don’t? We reward you with up to 80% of your premium back.

Nobody trusts insurances so we’ve turned it upside down 🙃

Traditional insurance companies make it hard for you to get anything out of them (boo hiss). That’s because when you benefit, they lose out. We hate that, so we’ve reinvented insurance to align our interests with yours.

Inspired by the origins of insurance (a story for another time), it is all powered by clever tech that makes it feel like magic while pushing away the pesky fraudsters. At last, insurance that works like a dream instead of a nightmare.

What does that mean for you?

Fair prices, no fineprint, no hidden fees, faster claims
and even money back if you don’t claim.
SO-SURE Wink

Reasons to choose us:

Fast and Easy ⚡️

Sign-up and claims are effortless because our system’s designed for you, not against you.

Cashback 🤑

You can earn up to 80% of your premium back, every year, when you and your friends don’t claim.

Fair and Transparent ️ ️✅

You’ll never feel uncertain; we have your back and will explain what’s what in plain English.

Pound coin How to earn
cashback

Collect up to 80% cashback 💰

Connect with friends who are also SO-SURE customers and if none of you claim, you all get money back. £10 per friend, up to 80% of your premium for Mobile insurance and up to 40% for Contents insurance. Not just once either, but every single year. Another win-win.

Connections and money pot

How does it work? 🤷

1
Polaroid of friends

Tell your friends

Invite friends to SO-SURE straight from our app with a few taps of your finger.

2
Phone connection app

Join forces

Connect to friends in the app and watch your Reward Pot grow.

3
Woman taking selfie

Win together 💰

If none of you make a claim that year, you all get cashback.

Phone excess Reduce
your excess

Slash your excess
and reduce paperwork! 📄

Open the SO-SURE app and use our clever tech to validate your insured item(s). This will reduce your excess by up to £100 and provide you an easier and faster claim experience.

Phone selfie mirror

How does it work?

1
Phone mirror selfie

Open our app

All our products have clever tech to help you lower your excess.

2
Phone mirror selfie

Hit submit

When you’re done, hit submit and we’ll check it’s ok.

3
Phone being held by woman

Enjoy 👍

In no time at all, your excess is reduced. Easy as that.

Happy group of people

What is excess? 🤔

Excess is the amount you pay if you have to claim. It’s a way of you taking on a small portion of the risk. Every insurance company requires you to pay excess as it helps prevent fraud...

How can your excess be so low? 🤩

We are the only insurer with clever anti-fraud tech that helps weed out fraud. We don’t have to pay out on dodgy claims, so you can get a much lower excess. Win-win for the win...

Damaged Phone Our hassle-free
claims process

Need to claim, here's what happens

1
Polaroid of friends

Launch your claim online

Claiming with so-sure is easy, fast and pain-free. Get started using our online claims portal or our app.

2
Phone connection app

Review Claim

Our UK based claims team will review your claim and reach out with a request for any further details or documents.

3
Woman taking selfie

Approve Claim

Once approved, we take your excess payment over the phone and aim to get your issue sorted within 24-72 hours.

Find out more

Collect up to 80% cashback 💰

Connect with friends who are also SO-SURE customers and if none of you claim, you all get money back. £10 per friend, up to 80% of your premium for Mobile insurance and up to 40% for Contents insurance. Not just once either, but every single year. Another win-win.

Connections and money pot

How does it work? 🤷

1
Polaroid of friends

Tell your friends

Invite friends to SO-SURE straight from our app with a few taps of your finger.

2
Phone connection app

Join forces

Connect to friends in the app and watch your Reward Pot grow.

3
Woman taking selfie

Win together 💰

If none of you make a claim that year, you all get cashback.

Slash your excess
and reduce paperwork! 📄

Open the SO-SURE app and use our clever tech to validate your insured item(s). This will reduce your excess by up to £100 and provide you an easier and faster claim experience.

Phone selfie mirror

How does it work?

1
Phone mirror selfie

Open our app

All our products have clever tech to help you lower your excess.

2
Phone mirror selfie

Hit submit

When you’re done, hit submit and we’ll check it’s ok.

3
Phone being held by woman

Enjoy 👍

In no time at all, your excess is reduced. Easy as that.


Happy group of people

What is excess? 🤔

Excess is the amount you pay if you have to claim. It’s a way of you taking on a small portion of the risk. Every insurance company requires you to pay excess as it helps prevent fraud...

How can your excess be so low? 🤩

We are the only insurer with clever anti-fraud tech 
that helps weed out fraud. We don’t have to pay 
out on dodgy claims, so you can get a much lower excess. Win-win for the win...

Need to claim, here's what happens

1
Polaroid of friends

Launch your claim online

Claiming with so-sure is easy, fast and pain-free. Get started using our online claims portal or our app.

2
Phone connection app

Review Claim

Our UK based claims team will review your claim and reach out with a request for any further details or documents.

3
Woman taking selfie

Approve Claim

Once approved, we take your excess payment over the phone and aim to get your issue sorted within 24-72 hours.

Why Insure with SO-SURE?

Phone being held

Fast, Fuss-Free Claims

Our easy three-step process takes the pain out of claims. And once approved, we aim to have your item repaired or replaced within 24-72 hours.

Phone mirror selfie

Save £££ On Your Excess

With the SO-SURE app, simply snap a photo of your phone or build your contents insurance inventory and save money on your excess.

Reward jar money

Up to 80% Cashback

When you connect your policy with your friends and family, you can earn up to 80% of your premium back each year if none of you make a claim.

Our Customers Love Us!

Don’t just take our word for it - thousands have picked SO-SURE for peace of mind.

so-sure customer
RV

The process was simple enough - I got my quote through a comparison site, checked out the details and took out my policy! There was an error on the comparison site but so-sure were great and matched the quote details - no questions asked! The validation of my phone screen was really easy too - took about 10 minutes to be verified! Now I can enjoy my new phone without any worries!

so-sure customer
Richard Miller

I found so-sure easy to use in arranging my gadget insurance and wouldn’t hesitate to recommend them. Their customer experience ratings were also reassuring in making my decision.

so-sure customer
Amy Francis

Haven't made a claim as yet but changing my policy over to a new phone following an upgrade just as easy as the initial set up and super friendly customer service!

so-sure customer
Guillaume Piot

I made a claim for my iPhone Face ID failing due to some light water damage. So sure have been very prompt to handle my claim and explain the process. They organised collection of the phone from my house and return a replacement phone within a week! I am very happy with the service and will recommend to anyone.

so-sure customer
Toni Huntingford

Very easy to choose which tariff suits you. You get discounted excess rates when you take a pic of the phone in working condition. You can also make money of you share there page with your friends. So happy with my cover and better yet it was really cheap too :)

so-sure customer
Nick H

Simple to set up and good price. Excellent system to weed out the fraudsters which push up insurance prices for everyone else. Great app and overall, very happy with the cover.

so-sure customer
John

Quick, easy and very competitive for such a highly defaqto rated insurer. Very pleased with the process and ease of getting the policy set up through Starling Bank

so-sure customer
Nigel Charlette

Really good company, love the incentives they offer for being a loyal customer hence the reason why I decided to do my mobile phone insurance through them. Would recommend

Unlock the Benefits of SO-SURE with Our App