Apple · Cellphone Insurance

iPhone 15 Pro 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 15 Pro?

The iPhone 15 Pro is a premium handset that still commands a high resale value, keeping it attractive to thieves and expensive to replace. Comprehensive cover for theft, loss and accidental or liquid damage is worth considering. Indicative premiums for a device at this value often fall around R110 to R220 a month, depending on excess, loss cover and security discounts. Those figures are indicative only and not a quote, so compare insurers to see what your 15 Pro really costs to cover.

Pro-model iPhones remain in strong demand on the second-hand and stripping market, so the 15 Pro is a common theft target in SA. Its glass screen and rear are costly to repair, and a full replacement after theft can run well into five figures.

What iPhone 15 Pro insurance should cover

Theft cover is the headline benefit for a Pro-model iPhone given its resale appeal.
Accidental damage cover protects the screen, rear glass and camera housing from everyday knocks.
Liquid damage typically sits under accidental cover, so confirm it is part of your policy.
Loss cover is usually optional and raises the premium; weigh it against how carefully you carry your phone.
Compare excess amounts and settlement basis, as an ageing Pro may be settled at market value.

Frequently asked questions

How much should I pay to insure an iPhone 15 Pro?

Indicative premiums for a phone at this value often sit around R110 to R220 a month, depending on the insurer, your excess and whether loss is included. Security features and no-claim history can also affect the price. This is indicative only and not a quote - comparing a few insurers is the only reliable way to see your real monthly cost.

Does the iPhone 15 Pro qualify for the same cover as newer models?

Generally yes - most cellphone and portable-possessions policies cover current and recent flagships on the same terms, though the premium reflects the device's value. As the model ages, some insurers move from new-for-old to market-value settlement. Check the settlement basis and claim limits so the cover still suits the phone's current worth.

Is loss cover worth adding for an iPhone 15 Pro?

Loss cover pays out if you simply misplace or lose the phone, not only if it is stolen or damaged, and it usually raises the premium. If you often travel, commute or carry the phone loosely, it can be worthwhile. If theft and damage are your main concerns, you may prefer to skip it - compare both options before deciding.

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