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Mobile Phone Insurance from just £2.20 per month

Fair, Fast & Easy

  • 24-72h repair or replace service
  • Up to 80% no claims cashback
  • Low price and excess from £25

Our Customers Love Us!

Don’t just take our word for it – thousands have picked SO-SURE for peace of mind.

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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.

How does it work? 🤷

Tell your friends

Invite friends to SO-SURE straight from our
app with a few taps of your finger.

Join forces

Connect to friends in the app and watch your Reward Pot grow.

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.

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 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.

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.

How does it work?

Take a smartphone selfie

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

Hit submit

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

Enjoy 👍

In no time at all, your excess is
reduced. Easy as that.

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

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.

Review Claim

Our UK based claims team will review your claim and reach out with a request for any further details or documents.

Approve Claim

Once approved, we take your excess payment over the phone and aim to repair or replace your phone within 24-72 hours.

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.

How does it work? 🤷

Tell your friends

Invite friends to SO-SURE straight from our
app with a few taps of your finger.

Join forces

Connect to friends in the app and watch your Reward Pot grow.

Win together 💰

If none of you make a claim that year, you all get cashback.

What is andisn'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.

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 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
Why insurewith 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.

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.

How does it work?

Take a smartphone selfie

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

Hit submit

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

Enjoy 👍

In no time at all, your excess is
reduced. Easy as that.

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…

Our hassle-freeclaims process

Need to claim, here's what happens

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.

Review Claim

Our UK based claims team will review your claim and reach out with a request for any further details or documents.

Approve Claim

Once approved, we take your excess payment over the phone and aim to repair or replace your phone within 24-72 hours.

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Phone Insurance FAQs

Here’s the top questions we get asked.

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?

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

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.

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