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Phone Insurance

Mobile Phone Insurance
from just £3.25 per month

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.

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24-72 hour replace or repair

We aim to replace or repair your phone within 24-72 hours after your claim is approved

Up to 80% money back

Connect with friends and get rewarded when you and your connections don't claim

Low excess from just £50

Download the so-sure app and validate your phone to reduce your excess

Insure your phone in minutes

Top Manufacturers

Apple

Samsung

LG

Google

Huawei

Sony

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.

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Top Models

Apple iPhone X

Apple iPhone 8

Apple iPhone 7

Samsung S8

Samsung S9

Pixel 3

Don't just take our word for it!

Our customers love us – that's why thousands of customers have joined the so-sure family.

D. Jones

I have a nexus 6p and the screen is really big on these phones. I am glad I have insurance because of this... haven't had a claim but the website is good.

F. Smith

My experience with so-sure has been excellent. It is very easy to set up. They explained everything from the beginning and there are no surprises. It was very straight forward. Would recommend!

P. Smith

Only paid 50 quid excess for my iphone X which is fab, app is really easy to use and a lady called kitti was very helpful in the claim and getting me my new phone

Menay

Really good service would recommend it to everyone. Straight forward & easy big thumbs up!

M. Dignum

Staff are very helpful and friendly and fast to reply back to you one happy customer thanks

Jack590000

I don't think I could go back after experiencing the level of service here, they actually seem to care about the customer

Comprehensive Phone Insurance that starts immediately

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.

so-sure - Phone Insurance what's covered

International travel
90 days of globe trotting, from backpacking to business you're covered
Out-of-warranty breakdowns
Phone breaks out of warranty, no worries you're covered
Phones up to three years old
We're one of the only insurers that covers phones up to 3 years old

Accidental damage
Don't worry we can usually repair this device so its a good as new
Theft or loss
Phones been snatched, don't stress we've got your back
Accessories
No tunes, no problem. You're covered up to the value of £100 inc. VAT

What makes so-sure better than the rest?

Our customers love us – that's why thousands of customers have joined the so-sure family.

	Protect Your Bubble Gadget Cover O2
Time to repair / replace after approval
24 - 72 hours	1 - 5 days depending on stock 5 - 7 working days 1 - 7 working days
Up to 80% Cashback at end of policy year

Loss, Theft & Accidental Damage included as standard

Insure second hand phones
	From approved retailers only From approved retailers only From 02 only
Cover for phones purchased up to
3 years from purchase	6 months from purchase 18 months from purchase 29 days O2 phones only
Save up to £100 off your excess

Trustpilot rating

Features		Protect Your Bubble	Gadget Cover	O2
Time to repair / replace after approval	24 - 72 hours	1 - 5 days depending on stock	5 - 7 working days	1 - 5 working days
Up to 80% Cashback at end of policy year
Loss, Theft & Accidental Damage included as standard
Insure second hand phones		From approved retailers only	From approved retailers only	From 02 only
Cover for phones purchased up to	3 years from purchase	6 months from purchase	18 months from purchase	29 days O2 phones only
Save up to £100 off your excess
Trustpilot rating

Info correct as of Oct 24 2019 - data taken on a first phone covered basis

Other Manufacturers

OnePlus

HTC

Motorola

Nokia

Oppo

Xiaomi

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.

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Phone Insurance
FAQs

Here's the top questions we get asked.

I have more Q's

Why should I use you?

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
We aim for 24-72 hour replacement or repair 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 mobiles 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

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 or European Union market prior your purchase (e.g. we don't insure models sold in China).

How much is excess?

Our excess is as low as £50 for accidental damage and £70 for loss and theft.

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.

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.