Mobile phone insurance

Done properly

Our vision is to turn the insurance industry on its head by giving our customers the service they deserve. Provide a new, revolutionary social insurance concept that is significantly cheaper for careful groups of families and friends. We’re here protecting customers when they claim and rewarding them when they don’t.

Insure your phone

What people say about us

  • 5 Stars Defaqto Rated
  • Up to 3 y/o second-hand & refurbished phones
  • 24/7 support through clever AI

Phone insurance that’s social

Traditional insurers exist to make big fat profit margins. They keep the money that they don’t pay out on claims. This means whenever they pay a claim, the lose profit. This is why getting your claim approved and paid is so very painful… they want to keep your money.

so-sure has been designed differently. Our whole business is built around putting you, the customer, first. That’s why we decline less than 4% of claims – because we believe insurance should have your back when you need it and also reward you for being careful.

We also treat the money you pay as your money, and we believe that people are better together, and that’s why we’ve created insurance that’s social and gives money back when there’s no claims.

Phone insurance that’s social

Traditional insurers exist to make big fat profit margins. They keep the money that they don’t pay out on claims. This means whenever they pay a claim, the lose profit. This is why getting your claim approved and paid is so very painful… they want to keep your money.

so-sure has been designed differently. Our whole business is built around putting you, the customer, first. That’s why we decline less than 4% of claims – because we believe insurance should have your back when you need it and also reward you for being careful.

We also treat the money you pay as your money, and we believe that people are better together, and that’s why we’ve created insurance that’s social and gives money back when there’s no claims.

Relax, we've got your mobile covered

We replace and repair hundreds of customers' phones every month, here's a look at what's covered

  • International Travel
    90 days of globe trotting covered.
    so-sure - Travel Cover
  • Out of Warranty Breakdown
    Phone breaks out of warranty, no worries - our insurance covers that.
    so-sure - Warranty Breakdown
  • Phones up to 3 years old
    We're one of the few insurers that cover phones up to 3 years old, plus second-hand and refurbished phones.
    so-sure - Older Phones
so-sure - social insurance
  • so-sure - Accidental Damage
    Accidental damage
    Oops, we've all been there. Don't worry, we can usually repair your device so its a good as new.
  • so-sure - Theft of Loss
    Theft or loss
    Has your mobile phone been snatched? No stress, we've got your back.
  • so-sure - Accessories Cover
    Accessories
    No tunes, no problem. You're covered up to the value of £100 inc. VAT.
  • so-sure - Travel Cover
    International Travel
    90 days of globe trotting covered.
  • so-sure - Warranty Breakdown
    Out of Warranty Breakdown
    Phone breaks out of warranty, no worries - our insurance covers that.
  • so-sure - Older Phones
    Phones up to 3 years old
    We're one of the few insurers that cover phones up to 3 years old, plus second-hand and refurbished phones.
  • so-sure - Accidental Damage
    Accidental damage
    Oops, we've all been there. Don't worry, we can usually repair your device so its a good as new.
  • so-sure - Theft of Loss
    Theft or loss
    Has your mobile phone been snatched? No stress, we've got your back.
  • so-sure - Accessories Cover
    Accessories
    No tunes, no problem. You're covered up to the value of £100 inc. VAT.

Don't just take our word for it!

Full Cover Details

Whats Covered:

  • Loss
  • Accidental Damage, including water damage & cracked screens
  • 90 days global travel
  • Out of warranty breakdown
  • Unauthorised network charges up the value of £1000 (inc VAT)
  • Accessories up to the value of £100 (inc VAT) for theft of loss claims
  • Cover for mobile up to 3 years old, including second hand and refurbished devices

Whats not covered:

  • Theft, Loss, Accidental Damage or Breakdown where you have knowingly put your phone at risk
  • 3+ claims for Loss and/or Theft in any policy year

Your mobile insurance includes:

  • so sure - Cracked Screen Insurance Cracked Screens
  • so sure - Tracel Insurance International Travel
  • so sure - Loss & Theft Insurance Loss & Theft
  • so sure - Out of Warranty Insurance Out-of-warranty breakdowns
  • so sure - Water Damage Insurance Water Damage
  • so sure - Accessories Insurance Accessories

We also offer:

  • Next working day replacement phone
  • Instant cover after purchase
  • Up to 80% cashback every year
Get started

Here’s how we compare to other insurers:

Traditional Insurers

  • 4-18 days wait on average*
  • Cover starts after 14 days
  • Only phones purchased within 30 days are covered
  • You'll need to have a law degree to understand the terms
  • Unnecessarily expensive
  • 24-72 hour replace/repair once claim approved
  • Cover starts immediately
  • Refurbished and second-hand devices up to 3 years old covered
  • Plain English Terms & Conditions
  • We’re up to 40% cheaper
*FCA report Dec 2015

Our hassle-free claims process

Need to make a claim for your mobile phone? Here's what happens:

1
so-sure - Make claim
Launch your claim online

Is your mobile phone lost, stolen or broken? Claiming with so-sure is easy, fast and pain-free. Get started using our online claims portal below

2
so-sure - Review claim
Review Claim

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

3
so-sure - Approve claim
Approve Claim

Once approved, we take your excess payment over the phone and aim to repair/replace your phone within 24-72 hours.

Open the Claims Portal