Samsung · Cellphone Insurance

Galaxy S23 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 S23?

The Galaxy S23 is a former flagship that still holds good value and appeal, so cover for theft, loss and accidental damage remains worthwhile. Indicative premiums for a phone at this value tend to fall around R80 to R160 a month, depending on your excess, whether loss is included and any security discounts. As an older model it may be settled at market value, so check how payouts are calculated. The range is indicative only and not a quote - compare insurers to find your real premium.

The Galaxy S23 remains popular second-hand, which keeps it on thieves' radar in SA. Its glass front and back crack on a hard drop, and an out-of-warranty screen repair on a flagship Samsung is not cheap.

What Galaxy S23 insurance should cover

Theft cover stays relevant because former flagships keep strong resale value.
Accidental damage cover handles the cracked screens and glass backs common with drops.
Loss cover is optional and adds to the premium; decide based on your habits.
Expect market-value settlement on an older flagship, which affects any replacement shortfall.
Weigh the premium against the phone's current value to keep the cover worthwhile.

Frequently asked questions

Is the Galaxy S23 still worth insuring in 2026?

For many owners, yes. The S23 still holds meaningful value and remains a theft target, so a loss could cost you a few thousand Rand. Cover turns that into a modest monthly amount. As the phone ages, compare the premium against its current market value to check the cover still makes financial sense for you.

How much is Galaxy S23 insurance per month?

Indicative premiums for a phone at this value often sit around R80 to R160 a month, depending on the insurer, excess and whether loss is included. Older flagships can attract slightly lower prices. This is indicative only and not a quote, so compare a few insurers to see your actual monthly cost for the S23.

Do insurers still cover older phones like the Galaxy S23?

Yes, most cellphone and portable-possessions policies cover recent and older flagships, though they may ask for the device value and IMEI. Settlement is usually at market value for an ageing model, which falls over time. Confirm the settlement basis and any age limits so the cover matches what the phone is realistically worth.

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