Refurbished Phone
Insurance
from just
£3.20 per month

Insure your refurbished phone with so-sure to get the same price and coverage level as insurance for a new phone, as well as access to our social insurance reward pot 💸

Second Hand Phones

Refurbished phones are a great option

Buying the latest phone can be expensive, with contracts for the latest iPhone or Samsung models costing up to £70 a month. In the age of the ultra-expensive flagship mobile phone, buying a refurbished or reconditioned handset is one way to cut costs while keeping up with the latest tech.

Refurbed phones usually come with a reduced price tag and have the added benefit of being great for the environment (no need to mine more rare metals for internal components). But even with a cheaper refurbished phone, insurance is a good idea, giving you peace of mind that you’ll stay covered, and therefore connected.

Hand holding mobile phone

Refurbished phone insurance from so-sure

Refurbished phone insurance is harder to come by than insurance for new handsets because insurers tend to see refurbished handsets as higher risk. But we're different. so-sure is one of the few UK gadget insurers offering refurbished phone insurance that's no different to our standard policies.

As standard, we offer:

  • 24-72 hour repair or replacement
  • International travel cover
  • Low excess from £25
  • Up to 80% of your money back
  • Coverage for loss, theft, and accidental damage
We're different polaroid so-sure

We've changed the game

What do we mean by social insurance? With so-sure, you can connect with friends and family members to build a group of policies, and if none of you make a claim, you’ll receive money back at the end of the year.


so-sure reward pot jar

Earn Cashback!

The reward pot gets filled by up to £10 with every connection you make, up to a maximum of 80% of the total value of your policy.

Phone winking face

Available on all models

We offer refurbished phone insurance on every single phone we insure new. It also doesn't matter whether you bought your refurbed model direct from the manufacturer, from a scheme like EE's 'Good As New' range, or from a third party retailer. All we ask is that it was originally sold in the UK.

Popular brands we cover

Apple Samsung Google HTC Huawei
motorola nokia Asus Sony

What happens when I need to make a claim?

Claiming couldn't be easier. To speed up the process, if your phone has been stolen or lost, make sure you contact your network to block your phone, then request both proof of barring and proof of usage documents. Finally, you should get a crime reference number from your local police station, and report it online at Report My Loss.

Then, simply fill out our claims form online and we'll do our best to repair or replace your phone within 24-72 hours.

so-sure claim handler

Are refurbished phones good?

In theory, refurbed phones can be just as good as new models. To be classed as refurbished, phones have to go through fairly rigorous testing to make sure they're up to scratch. This can include checking that battery capacity is still healthy, making sure all buttons work well, and assessing the screen for any damage.

Many suppliers of refurbished phones will have a grading system to represent the level of visible damage on a phone. Phones described as 'Like New' will have very little to no wear and tear while phones labelled 'Good' or 'Fair' will likely have minor visible damage. You can choose the phone and condition that best suits your needs and your budget.

Phone in box Phone in box

What's the difference between refurbished phones and second hand phones?

There's one main difference between second hand and refurbished phones. Whilst both come under the umbrella of being 'used' or 'recycled', refurbished phones have been tested and verified to ensure that they work properly while second hand phones generally haven't.

Usually, you'd buy a refurbed phone through a reputable retailer, as opposed to a second hand handset, which you could buy from a friend or eBay. If you can’t find one at the right price direct from the manufacturer, your phone's network may sell them too. Nowadays, some networks even allow you to buy a refurbished phone on contract.

Here at so-sure, we can insure refurbished phones on exactly the same policy as we would insure brand new phones. That means no inflated cost for 'high risk', as well as all of the same great benefits including our social insurance cash-back reward pot.

We're different polaroid so-sure