Apple · Cellphone Insurance

iPhone 13 insurance in South Africa

Written by Lerato Molefe Personal Insurance Writer Reviewed by Nomsa Dlamini RE5 qualified · 12 years in short-term insurance Updated 28 July 2026 Our editorial standards →

How much does it cost to insure a iPhone 13?

The iPhone 13 is now a few generations old but still widely used and valuable enough to attract thieves, so cover for theft, loss and accidental damage can be worthwhile. Indicative premiums for a phone at this value often fall around R70 to R150 a month, depending on excess, loss cover and security. As an older model it is likely settled at market value, so check the settlement basis. The range is indicative only and not a quote - compare insurers to see your real price.

Being common and affordable second-hand, the iPhone 13 is still targeted for theft and resale in SA. A cracked screen remains one of the most frequent claims, and out-of-warranty repairs are not cheap for an older flagship.

What iPhone 13 insurance should cover

Theft cover remains relevant, as older iPhones are still valued on the resale market.
Accidental damage cover handles cracked screens and glass backs from everyday drops.
Loss cover is usually optional and adds to the premium; decide based on how you carry your phone.
Expect market-value settlement on a model this age, which can leave a shortfall towards a newer phone.
Compare the premium against the phone's current value to make sure cover still adds up.

Frequently asked questions

Does it make sense to insure an older iPhone 13?

It can, if the phone still holds enough value that replacing it would hurt. Since older iPhones remain theft targets, cover can be worthwhile - but weigh the premium against the current market value. If the monthly cost is high relative to what the phone is worth, self-insuring by setting money aside may make more sense.

How much is iPhone 13 insurance per month?

Indicative premiums for a phone at this value tend to sit around R70 to R150 a month, depending on the insurer, excess and whether loss is included. Older devices often attract lower prices. This is indicative only and not a quote, so compare a few insurers to find the actual monthly cost for the cover you need.

Will insurance replace my iPhone 13 with the same model?

If the model is still available, some insurers replace like-for-like; otherwise they may offer the nearest equivalent or a market-value cash settlement. On an older phone, market-value payouts fall over time. Check how your insurer handles discontinued models and whether the settlement would realistically cover a suitable replacement before you claim.

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