Cover your phone and gadgets, anywhere
Cellphone insurance covers your phone, tablet, smartwatch and gadgets against theft, loss, accidental and liquid damage — anywhere, not just at home. It's a focused form of all-risk cover for the devices you use every day.
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- Theft & loss
- Accidental & liquid damage
- Anywhere cover
What cellphone & gadget cover includes
Theft & loss
Covers your device if it's stolen or lost while you're out and about.
Accidental & liquid damage
Cracked screens, drops and liquid damage — the most common phone claims.
Anywhere cover
Protection away from home, not just inside your house like standard contents.
Why cellphone insurance matters
- Phones are among the most stolen and most-damaged items in South Africa.
- Standard home contents cover usually stops at your front door.
- Replacing a flagship phone out of pocket can cost tens of thousands of rand.
At a glance
- Theft & loss
- Accidental & liquid damage
- Anywhere cover
Get a cellphone insurance quote
Compare cover from trusted South African insurers — free, in about a minute, with no obligation.
Get a Quote NowCellphone insurance questions
Is a cracked screen covered?
Can I insure my phone on my home or portable possessions policy instead?
Cellphone insurance guides
iPhone insurance in South Africa
An iPhone is one of the most expensive and most-targeted phones in South Africa, so dedicated cover usually...
Read guide →Samsung Galaxy phone insurance in South Africa
You can insure a Samsung Galaxy the same way you would any premium phone: as a standalone cellphone policy, as...
Read guide →Huawei phone insurance in South Africa
Yes. A Huawei phone can be insured like any other handset — as a standalone cellphone policy, as an all-risk...
Read guide →Mobile insurance in South Africa
Mobile insurance is simply another term for cellphone or device insurance — cover that pays to repair or...
Read guide →Device insurance in South Africa
Device insurance covers your portable electronics — smartphones, tablets, laptops and wearables like...
Read guide →Gadget insurance in South Africa
Gadget insurance covers portable tech — phones, tablets, cameras, earbuds, smartwatches, gaming handhelds and...
Read guide →Cracked screen cover in South Africa
A cracked screen is covered only if your policy includes accidental damage. Theft-only cover will not pay for...
Read guide →Phone screen insurance in South Africa
Standalone phone screen insurance covers only screen damage — nothing else — usually at a lower premium than...
Read guide →Phone theft insurance in South Africa
Phone theft insurance replaces your handset if it is stolen — including snatch-and-grab and hijacking on most...
Read guide →Phone loss insurance in South Africa
Not always. Many policies cover theft but exclude simple loss — misplacing your phone with no theft involved....
Read guide →Water & liquid damage phone insurance
Only if your policy includes liquid or accidental damage. Water damage is not covered by theft-only cover, and...
Read guide →Cheap cellphone insurance in South Africa
The cheapest cellphone insurance is not always the lowest premium — it is the lowest cost for the cover you...
Read guide →Best cellphone insurance in South Africa
There is no single best cellphone insurance — the best policy is the one that fits your phone, your risks and...
Read guide →Cellphone insurance without a contract
Yes. You do not need a network contract to insure a phone. A prepaid or outright-bought handset can be covered...
Read guide →Standalone cellphone insurance vs all-risk
It depends. A standalone cellphone policy covers only the phone, with its own excess and terms, and works even...
Read guide →Vodacom cellphone insurance
Vodacom, as a major South African network, offers device insurance that customers can add when taking a phone...
Read guide →MTN device insurance
MTN, as a major South African network, offers device insurance that customers can add when taking a phone or...
Read guide →Cell C & Telkom device insurance
Cell C and Telkom are established South African networks that, like their larger rivals, offer device...
Read guide →How much does cellphone insurance cost in South Africa?
Cellphone insurance in South Africa typically costs an indicative R50 to R300 or more a month, and the single...
Read guide →Prepaid vs contract phone insurance
You can insure both prepaid and contract phones, and the cover for the actual risks — theft, accidental...
Read guide →Network vs third-party cellphone insurance
Both work, and the right choice comes down to price, excess, claims handling and convenience. Cover from your...
Read guide →Cellphone insurance vs manufacturer warranty
A manufacturer's warranty covers manufacturing defects — faults that are not your fault, such as a component...
Read guide →Is cellphone insurance worth it?
Cellphone insurance is worth it when replacing your phone out of pocket would genuinely hurt and your theft or...
Read guide →Cellphone insurance for refurbished and second-hand phones
Yes, most insurers will cover a refurbished or second-hand phone, provided you can show proof of ownership and...
Read guide →Cellphone insurance excess explained
The excess — also called the first amount payable — is the portion of a claim you pay yourself before the...
Read guide →How to claim on cellphone insurance
The process depends on what happened. For theft or loss, report it to the police to get a SAPS case number,...
Read guide →Cellphone insurance for multiple devices and families
Yes. Many insurers let you cover several phones and devices under one policy or as a household bundle, and...
Read guide →Business cellphone insurance
Business cellphone insurance covers phones and mobile devices used for work, whether a single owner's handset...
Read guide →Student cellphone insurance
Students can insure a phone with the same options as anyone — a standalone cellphone policy, an all-risk item...
Read guide →Cellphone insurance for accessories and wearables
Yes. Smartwatches, wireless earbuds, headphones and other accessories can usually be insured — either bundled...
Read guide →Cellphone insurance from banks, retailers and networks
In South Africa you can insure a phone through far more than your network. Banks (such as Capitec, FNB, ABSA...
Read guide →