Mobile Phone Insurance
from just £3.79 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.

so-sure - social insurance
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so-sure - Simple Terms & Conditions

24-72 hour replace or repair

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

so-sure - Up to 40% cheaper

Up to 80% money back

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

so-sure - super quick cover

Low excess from just £50

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

Insure your phone in minutes

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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so-sure - Phone Insurance

Don't just take our word for it!

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

so-sure customer
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.

so-sure customer
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!

so-sure customer
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

so-sure customer

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

so-sure customer
M. Dignum

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

so-sure customer

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
    so-sure - Travel Cover
  • Out-of-warranty breakdowns

    Phone breaks out of warranty, no worries you're covered
    so-sure - Out of Warranty Breakdown
  • Phones up to three years old

    We're one of the only insurers that covers phones up to 3 years old
    so-sure - Phone up to three years old
so-sure - social insurance
  • so-sure - Accidental damage

    Accidental damage

    Don't worry we can usually repair this device so its a good as new
  • so-sure - Theft or loss

    Theft or loss

    Phones been snatched, don't stress we've got your back
  • so-sure - Broken headphone jack


    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.

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
Immediate cover
Refurbished and second-hand devices up to 3 years old covered
Plain English Terms & Conditions
We’re up to 40% cheaper
so-sure - happy customers

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

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 when you validate your phone with our anti-fraud technology

If you don't validate your phone with pic-sure using our app, the excess is £150.

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.

I have more Q's

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