Samsung · Cellphone Insurance

Galaxy S22 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 Galaxy S22?

The Galaxy S22 is now a few generations old but still a capable phone with residual value, so cover for theft, loss and accidental damage can still 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, which affects any shortfall. The range is indicative only and not a quote, so compare insurers to see your real price.

As an affordable second-hand flagship, the S22 is still targeted for resale in SA. Cracked screens remain a common claim, and repairing one out of warranty can still cost more than many owners expect for an older phone.

What Galaxy S22 insurance should cover

Theft cover remains useful, as older Samsung flagships still sell well second-hand.
Accidental damage cover addresses the cracked screens that top the list of phone claims.
Loss cover is optional and lifts the premium; weigh it against the phone's current value.
Market-value settlement is likely on a model this age, so expect a lower payout over time.
Compare the monthly premium against simply saving towards a replacement yourself.

Frequently asked questions

Should I keep insuring an older Galaxy S22?

It depends on the phone's current value and your risk tolerance. If replacing it would still hurt, cover can be worthwhile, but as the S22 depreciates the premium may become large relative to its worth. Compare an indicative premium against the market value, and consider whether self-insuring by setting money aside is the better call.

What is an indicative Galaxy S22 premium?

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 usually attract lower prices. This figure is indicative only and not a quote — compare a few insurers to find your actual monthly cost for the S22.

Can I insure a Galaxy S22 bought second-hand?

Usually yes, though insurers may request proof of ownership, the device value and the IMEI. A pre-owned phone is typically settled at market value rather than new-for-old. Check the insurer's rules for used devices and how they calculate payouts before taking out cover, so a future claim goes smoothly.

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