So-Sure insurance review
24-72 hour replace or repairs service
Excess as low as £50
Up to 80% of your premium refunded if you don’t make a claim
So-Sure is an expert mobile phone insurance provider and has been providing cover since 2016, focussing on ‘making insurance fairer, reliable and rewarding for honest consumers all over the world’.
So-Sure introduced the idea of ‘social insurance’, which allows customers to team up with friends and family members to save money by being safe and not claiming on their phone insurance policy.
So-Sure insurance is available for most mobile phones and, unlike some other providers, even offer cover for second-hand and refurbished devices
Also unlike other phone insurance companies, So-Sure do not offer cover for any other devices; all of their effort goes into making sure that their mobile phone cover is the best that it can be, for all of their customers.
So-Sure offer phone insurance for all of the top manufacturers, including Apple, Samsung, Google and Huawei.
When taking out a comprehensive phone insurance policy with So-Sure, you get access to:
- Cover for accidental damage
- Cover against theft or loss
- Cover for accessories (up to £100)
- Up to 90 days of cover abroad
- Cover for phones up to 3 years old
- A maximum repair/replace time of 72 hours
So-Sure also offer low excess payments for those who can verify ownership of their smartphone via the So-Sure app – you’ll need to sign in with your So-Sure login and upload an image of your phone’s screen to verify that it is not cracked.
By proving that your phone is both in your possession and in full working condition, So-Sure are able to cut potential excess payments by up to 50%.
The cost of your phone insurance premium will depend almost entirely on the make and model of your device, with more expensive phones (unsurprisingly) costing more to insure.
An iPhone 11 Pro Max with 512GB of storage, for example, costs £15.49 per month to insure with a retail price of £1,499.
On the other hand, a Samsung Galaxy S9 with 64GB of storage (which retails at around £500) can be insured for £7.99 per month.
When judging the service offered by a company, it is sometimes wise to check out what other customers have had to say; the best way to do this is by looking at customer review websites like Trustpilot.
From over 220 customer reviews, more than 75% of customers were delighted with the service on offer – So-Sure is rated 4/5 by Trustpilot.
Customers were extremely pleased at how little time it takes to set up an insurance policy with So-Sure. Many were also impressed by the customer service provided in the event of a claim, with the So-Sure online chat offering ample assistance when needed.
Despite the overwhelmingly positive reviews, there are a handful of customers who have left negative reviews about So-Sure. Most of the critical reviews are in regards to the fact that the replacement devices offered after a claim are not brand new and instead refurbished to a high quality, while the lack of a So-Sure phone number means that customers can only contact the customer service team online or via email.
If you need to speak to a So-Sure advisor over the phone, you’ll need to request a call-back.
When making a claim with So-Sure, you’ll be asked to fill in a short form online. After this, your claim will be reviewed by a member of the So-Sure claims team who will request any further information necessary. Once your claim has been accepted, you will pay your excess over the phone and So-Sure will aim to have your phone repaired or replaced within 72 hours.
If your phone is lost or stolen, you’ll be requested to contact your network in order to block your phone and request proof of barring and proof of usage documents. You will also need to contact your local police station to request a crime reference number.
If you’re interested in signing up for a quick, modern, fairly-priced phone insurance policy then So-Sure might be right up your street.
To find out how much it would cost you to insure your mobile phone, head to the So-Sure website to get a quote by clicking the button below.