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

trustpilot
  • Up 80% cheaper insurance
  • 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, they 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.

Mobile phone insurance that's simply better

so-sure has made it its mission to raise the bar for the insurance industry, particularly in what concerns the mobile phone insurance. We’re having a different approach than most of the insurers out there and we believe we can do it much better.

so-sure is disrupting the mobile phone insurance industry the same way some fintech companies disrupted the financial industry; first by offering a superior, more affordable and customer-oriented service when compared to what already existed on tha market, and then by coming up with a new business model, approach or technology.

We focus on your needs, not your smartphone

We carefully observed what other mobile phone insurers were doing at the time when we started up, what were the processes involved and how easy or difficult it was for people like you to get comprehensive insurance for their handsets or to make a claim, and we decided we can do a lot better if we would focus on your needs instead of your phone. Of course, the phone is what the insurance would cover, just like it would with any other mobile phone insurance company in the UK, but the focus should be on your peace of mind that you don’t have to change your lifestyle to keep your smartphone covered, that your device would still be covered if you decide to save money and get it from the internet, second-hand, or that if you like to travel, up to 90 days of international traveling would be included.

Focusing on the needs of our clients resulted in a service that was faster, superior, easier and a lot more affordable. This is what makes so-sure’s mobile phone insurance different.

Faster – the phone insurance cover starts as soon as we your contract starts and we aim to achieve a 24-72 hour replace or repair, once claim is approved;

Superior – comprehensive cover against the unexpected – theft, loss and accidental damage covered as a standard -, that also applies for international traveling, phone accessories and even network charges that you haven’t authorised.

Easier – everything from getting your mobile phone insurance, to understanding what’s covered by the insurance and the terms and conditions, and to making a claim if you need to, is designed to be easy and straightforward. No legal jargon or complicated clauses.

Cheaper – you’ll probably be surprised to learn that we give you money back if you’ve been careful with your phone, but our social insurance program does just that. You could get up to 80% of your insurance premiums back at the end of the policy year by joining forces with your most careful friends and family.

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 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 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 for your mobile

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 phones 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 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 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
Low excess

Our excess is as low as £50 for accidental damage and £70 for loss and theft when you validate your phone with our app. If you don’t validate your phone with our app the excess is £150.

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Find out more
Cashback and Social Insurance

Get up to 80% cashback every year when you and your friends don’t claim.

How?

Connect to friends/family and each receive up to £10 in your individual Reward Pots. At the end of the year, when you and your connections haven’t claimed, your Reward Pot is paid out to you.

Find out more

Insurance Product Information Document (IPID)

  • The insurance product information document (IPID) is a simple, standardised document that you can use to compare policies with other insurers in the UK and EU.

    Download a copy of our IPID (PDF, 123 KB)

Insurance Product Information Document (IPID)

  • The insurance product information document (IPID) is a simple, standardised document that you can use to compare policies with other insurers in the UK and EU.

    Download a copy of our IPID (PDF, 123 KB)

Why should I use so-sure phone insurance?

Unlike other insurers, we’re less focused on profit, and more focused on giving customers value. Our mission is to make insurance better and cheaper for honest people, and that’s why we’ve developed clever anti-fraud tech that makes your life easier. Plus we’re the only insurer that gives you money back.

  • Instant cover from purchase
  • 24-72 hour replacement once your claim is approved
  • Hassle-Free Claims
  • Low excess from just £50 when validated with our anti-fraud technology. (If not validated, then excess is £150.)
  • Insure mobile phones up to 3 years old
  • No proof of purchase required upfront, or at all when you use our anti-fraud technology
  • Rewards when you and your connections don’t claim – up to 80% of your premium back
What is an IMEI number and how do I find out the IMEI of my mobile phone?

The IMEI (International Mobile Equipment Identification) number of your mobile phone is a unique identification code that is specific to your mobile phone. If you change your mobile phone, it is important that you call us so we can update your policy with the correct details.

For iOS (Apple) users:

Unfortunately, as we need your serial number on iOS you can’t just dial a number (although dialing the same number as above will reveal your IMEI number).

As such you can find both numbers by going to Settings > General > About.

If you’re using our app (or if requested by support), you can take a screenshot by pressing the Sleep/Wake and Home buttons at the same time until you see the screen flash quickly.

For Android users:

The easiest way to find your phone’s IMEI number if you’re on an Android device is to simply dial *#06#

If you’re still having trouble, then you should be able to find it in Settings > About phone > Status > IMEI information.

Your serial number will be on the Status screen.

If requested by support, you can take a screenshot on most Android phones by holding the volume down and the power buttons for 1-2 seconds. The screen should flash and the photo can be found in your photos app.

Is there an age limit on the mobile phone I want to insure?

The phone you want to insure must be less than 3 years old from when your policy begins.

If I pay annually do I get a discount?

Our Reward Pot allow us to give you the best possible pricing, so sorry we do not provide annual discounts.

How much is excess?

Our excess is as low as £50 for accidental damage and £70 for loss and theft when you validate your phone with our anti-fraud technology.

If you don’t validate your phone with pic-sure the excess is £150.

I bought a used phone/my friend gave me an older phone can I still insure it?

Yes, we are able to insure second-hand phones provided they are in full working condition, without any damage, and less than 3 years old.

Can I insure a mobile phone I bought from eBay or another auction site?

Yes, you can take out insurance on a second hand phone. The phone bought needs to have originally been sold into the UK market prior your purchase (e.g. we don’t insure models sold in China, for example).