Samsung · Cellphone Insurance

Galaxy S24 Ultra 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 S24 Ultra?

The Galaxy S24 Ultra is Samsung's top-tier phone, with a premium price, a large display and a built-in S Pen, all of which make it costly to replace and appealing to thieves. Full cover for theft, loss and accidental or liquid damage is well worth considering. Indicative premiums for a device this valuable often fall around R130 to R260 a month, depending on excess and cover level. That is indicative only and not a quote, so compare insurers before you commit.

As one of the most expensive Androids on sale, the S24 Ultra is a high-priority theft target in SA. Its large, curved display is among the priciest phone screens to repair, and a full replacement after theft can cost well over R20,000 without cover.

What Galaxy S24 Ultra insurance should cover

Theft cover is essential given the Ultra's high value and strong resale demand.
Its big display is expensive to repair, making accidental damage cover especially worthwhile.
Confirm the S Pen and any bundled accessories are covered or noted, as policies vary.
Loss cover is optional but sensible given how much the phone costs to replace.
Check the excess and settlement basis, since a market-value payout on a pricey phone can leave a gap.

Frequently asked questions

Why does the Galaxy S24 Ultra cost more to insure?

Premiums broadly follow a phone's replacement cost and theft appeal, and the Ultra scores high on both. A more valuable device means a larger potential payout, which is reflected in the price. Even so, quotes differ between insurers, so comparing a few can uncover real savings for the same cover on your S24 Ultra.

What indicative premium should I expect for an S24 Ultra?

For a phone at this value, indicative premiums often sit around R130 to R260 a month, with loss cover raising it further. Your real figure depends on the insurer, excess and security discounts. This is indicative only and not a quote - compare several insurers to see what the S24 Ultra actually costs you to cover.

Does insurance cover the S Pen on the S24 Ultra?

The S Pen is part of the phone, so damage to the device generally falls under accidental cover, but a lost S Pen on its own may not be covered. Accessory cover varies by insurer, so if you rely on the pen, check whether losing it is included and what limit applies before you take out the policy.

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