Mobile Phone Insurance
from just £3.38 per month

Fair, Fast & Easy 🇬🇧
  • 24-72h repair or replace service
  • Up to 80% no claims cashback
  • Low price and excess from £25
Please double check your phone is the 5G version

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

Play buttonn Woman polaroid swoosh

Pound coin Get up to 80%
of your money back

Connect to careful friends
Collect up to 80% cashback 💰

If you connect to friends who are also SO-SURE customers and none of you claim, you all get money back. £10 per friend, up to 80% of your premium. 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

Clipboard What is and
isn't covered

Welcome to peace of mind -
What's included in your policy

You get fully comprehensive cover. And we don’t try and wangle out of things with small print – what you see is what you get.

Hand holding mobile phone

What's covered 👍

  • Theft and loss as standard
  • Accidental damage, including water damage and cracked screens
  • New, used or refurbished phones up to 3 yrs old
  • Accessories up to the value of £100 including VAT
  • Unauthorised network charges up to £1000
  • Out of warranty breakdown
  • 90 days global travel

What's not covered 👎

  • Any existing claims before you bought our insurance
  • More than 2 claims for loss and/or theft in any policy year
  • Claims where you’ve knowingly put your mobile phone at risk

Mobile phone Why insure
with SO-SURE

What makes SO-SURE
better than the rest?

Sign-up and claims are fast and effortless because unlike competitors, we win when you win. And if great value floats your boat – premiums are up to 40% lower than mobile networks and you can earn 80% back every single year.

Group of mobile phones
Features so-sure Protect Your Bubble loveit
coverit
Lycainsure
Up to 80% no claims cashback every policy year
Excess from £25 £50 £30 £50
Damage: time to repair once received 1-2
working days
Within 6
working days
Within 3
working days
Within 7
working days
Theft/Loss: time to replace after approval 24
hours
Within 48
hours
Within 24
hours
Within 48
hours
Send phone for repair via Free courier Free courier Paid post / In Person Paid post
Insure second hand phones All used or refurbished Only refurbished by the manufacturer or network provider Only refurbished by the manufacturer or network provider Only refurbished by the manufacturer or network provider
Cover for phones purchased up to 36 months
from purchase
6 months
from purchase
36 months
from purchase
18 months
from purchase

Info correct as of Jan 29 2021 - data taken on a first phone covered basis

Amazing benefits 🤩

Phone being held

Fast claims
without the faff

Get up and running again in 24-72 hours. We’ll courier your repair or replacement – no quibbling, no fiddling, just great service. Sorted.

Phone mirror selfie

Save up to £100
on your excess

Validate your phone with our app by simply taking a picture of it in the mirror. We’ll drop your excess if you ever need to claim, no receipt required!

Reward jar money

Connect together,
win together

Add friends to earn cashback in your Reward Pot. If none of you claim, you get £10 per friend, up to 80% of your premium. Every. Single. Year.

Phone excess Reduce your excess
in seconds

Snap your phone 📸
Slash your excess

With the SO-SURE app you can show us your phone works simply by taking a picture of it in the mirror. And we’ll drop your excess by up to £100. No proof of purchase necessary.

Phone selfie mirror

How does it work?

1
Phone mirror selfie

Take a
smartphone selfie

Open our app, hold your phone up to the mirror and take a snap.

2
Phone mirror selfie

Hit submit

If it looks good, send it to us and we’ll check it’s okay.

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 phone insurance company requires you to pay excess as it helps prevent fraud...

How can your excess be so low? 🤩

We are the only mobile phone 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

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

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 repair or replace your phone within 24-72 hours.

Find out more

Did you know?

Lost phone
1,222
Mobile handsets are stolen every day in the UK! 👮‍♀️
Broken phone
1 in 4
UK owners have broken their screen in the last 2 years 😱
Broken phone screen
£300!
It can cost £250-£300 to repair top-end phones 💰

Connect to careful friends
Collect up to 80% cashback 💰

If you connect to friends who are also SO-SURE customers and none of you claim, you all get money back. £10 per friend, up to 80% of your premium. 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.

Welcome to peace of mind -
What's included in your policy

You get fully comprehensive cover. And we don’t try and wangle out of things with small print – what you see is what you get.

Hand holding mobile phone

What's covered 👍

  • Theft and loss as standard
  • Accidental damage, including water damage and cracked screens
  • New, used or refurbished phones up to 3 yrs old
  • Accessories up to the value of £100 including VAT
  • Unauthorised network charges up to £1000
  • Out of warranty breakdown
  • 90 days global travel

What's not covered 👎

  • Any existing claims before you bought our insurance
  • More than 2 claims for Loss and/or Theft in any policy year
  • Claims where you’ve knowingly put your mobile phone at risk

What makes SO-SURE
better than the rest?

Sign-up and claims are fast and effortless because unlike competitors, we win when you win. And if great value floats your boat – premiums are up to 40% lower than mobile networks and you can earn 80% back every single year.

Group of mobile phones

Premium cover 💎

Features so-sure Protect Your Bubble loveit
coverit
Lycainsure
Up to 80% no claims cashback every policy year
Excess from £25 £50 £30 £50
Damage: time to repair once received 1-2
working days
Within 6
working days
Within 3
working days
Within 7
working days
Theft/Loss: time to replace after approval 24
hours
Within 48
hours
Within 24
hours
Within 48
hours
Send phone for repair via Free courier Free courier Paid post / In Person Paid post
Insure second hand phones All used or refurbished Only refurbished by the manufacturer or network provider Only refurbished by the manufacturer or network provider Only refurbished by the manufacturer or network provider
Cover for phones purchased up to 36 months
from purchase
6 months
from purchase
36 months
from purchase
18 months
from purchase

Info correct as of Jan 29 2021 - data taken on a first phone covered basis


Amazing benefits 🤩

Phone being held

Fast claims
without the faff

Get up and running again in 24-72 hours. We’ll courier your repair or replacement – no quibbling, no fiddling, just great service. Sorted.

Phone mirror selfie

Save up to £100
on your excess

Validate your phone with our app by simply taking a picture of it in the mirror. We’ll drop your excess if you ever need to claim, no receipt required!

Reward jar money

Connect together,
win together

Add friends to earn cashback in your Reward Pot. If none of you claim, you get £10 per friend, up to 80% of your premium. Every. Single. Year.

Snap your phone 📸
Slash your excess

With the SO-SURE app you can show us your phone works simply by taking a picture of it in the mirror. And we’ll drop your excess by up to £100. No proof of purchase necessary.

Phone selfie mirror

How does it work?

1
Phone mirror selfie

Take a
smartphone selfie

Open our app, hold your phone up to the mirror and take a snap.

2
Phone mirror selfie

Hit submit

If it looks good, send it to us and we’ll check it’s okay.

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 phone insurance company requires you to pay excess as it helps prevent fraud...

How can your excess be so low? 🤩

We are the only mobile phone 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

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

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 repair or replace your phone within 24-72 hours.

Did you know?

Lost phone
1,222
Mobile handsets are stolen every day in the UK! 👮‍♀️
Broken phone
1 in 4
UK owners have broken their screen in the last 2 years 😱
Broken phone screen
£300!
It can cost £250-£300 to repair top-end phones 💸

Top Manufacturers

Apple Samsung Google HTC Huawei Sony

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 £25 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 £25 when you validate your phone with our 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.

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

Articles and insights you might be interested in

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