South Africa · Cellphone & gadget insurance

The right protection starts with your device.

Compare cellphone, laptop and tablet insurance by what could happen to the device and which buying routes you qualify for. Keep the monthly premium and the claim excess together.

9 legal insurers · Individual quotes required
Reviewed 9 September 2026

Your first decision

What needs protecting?

Choose a focus for your comparison. Check each policy’s device and access conditions in the shortlist.

Step 2 of 3 · Policy shortlist

Compare 15 cellphone & gadget insurance policy records

15 officially sourced cover records from 9 insurers. Some providers sell several materially different cover levels. Read the buying route and device conditions in each record; this is a researched sample, not complete-market coverage.

Server order shows published prices first, then quote-required records A to Z.

15cover records
Quote firstsame device and events
Up to 3policies to compare
Step 3Quote & buy help
Indicative comparison, not a personal quote

Individual quotes are required. Advertised entry prices use different device values and cover assumptions, so they are not ranked as comparable prices here. Confirm the current premium, policy wording, limits, excesses, waiting periods and underwriting outcome with the provider.

Rating (1-5) measures source clarity: one point each for insurer identity, covered events, access conditions, an excess method and a claim route. A tick confirms that information in the reviewed sources; it does not confirm your eligibility or an unlimited benefit. This is not a customer rating, insurer-quality score or claims-performance measure. Equal scores use provider and plan name order.

Device cover records: individual quotes required, provider and plan A to Z
CompareInsurer and planStarting premiumSupport signalsClarity scoreNext step
01BudgetSpecified portable possessions

Phones, laptops and tablets can be specified for theft, loss and damage.

Policy and review details
Legal entity
Budget Insurance Company Limited
Reviewed
2026-09-09 by AfriPolicyCover Editorial (source review)
Starting premiumQuote requiredNo comparable published entry premiumDevice conditions
Buying route
Existing-policy add-on
Eligibility
Requires Budget car, motorcycle or home contents cover; specify the device.
Excess
Ask for the full device excess; no numeric amount on the reviewed product page.
Limits, claims and source checks
Key boundary
An unspecified belongings limit does not establish full device cover.
Claim route
Request the device claim channel and assessment instructions from Budget.
  • Insurer identity
  • Covered events
  • Access conditions
  • Excess method
  • Claim route
Insurer identity sourceIdentity is based on the linked official disclosure. Check current permissions in the FSCA register before purchase.
Source clarity3.0/ 53.0 of 5 source checks confirmedNext stepBuyOfficial homepage Quote help keeps this plan attached
02DialdirectSpecified portable possessions

Individually specified valuables are covered for theft, loss and accidental damage.

Policy and review details
Legal entity
Dial Direct Insurance Limited
Reviewed
2026-09-09 by AfriPolicyCover Editorial (source review)
Starting premiumQuote requiredNo comparable published entry premiumDevice conditions
Buying route
Portable possessions policy
Eligibility
List the device and its value; confirm any required base policy and accepted use.
Excess
Obtain the schedule excess before comparing a repair with replacement.
Limits, claims and source checks
Key boundary
The reviewed page does not establish used-device acceptance.
Claim route
Use the official policy service claim route; confirm approval before repair.
  • Insurer identity
  • Covered events
  • Access conditions
  • Excess method
  • Claim route
Insurer identity sourceIdentity is based on the linked official disclosure. Check current permissions in the FSCA register before purchase.
Source clarity4.0/ 54.0 of 5 source checks confirmedNext stepBuyOfficial homepage Quote help keeps this plan attached
03Discovery InsurePortable possessions

Computing and mobile communication devices can be included in portable possessions cover.

Policy and review details
Legal entity
Discovery Insure Limited
Reviewed
2026-09-09 by AfriPolicyCover Editorial (source review)
Starting premiumQuote requiredNo comparable published entry premiumDevice conditions
Buying route
Discovery Insure plan section
Eligibility
Select the applicable plan and specify electronic devices as its wording requires.
Excess
Selectable excesses are advertised; the accepted schedule determines the amount.
Limits, claims and source checks
Key boundary
An advertised Purple Plan upgrade benefit is not included in every plan.
Claim route
Request the device assessment process through Discovery Insure claims.
  • Insurer identity
  • Covered events
  • Access conditions
  • Excess method
  • Claim route
Insurer identity sourceIdentity is based on the linked official disclosure. Check current permissions in the FSCA register before purchase.Additional policy evidence
Source clarity4.0/ 54.0 of 5 source checks confirmedNext stepBuyOfficial homepage Quote help keeps this plan attached
04King PriceSpecified portable possessions

Listed phones, laptops and tablets can be protected away from home, with worldwide scope described.

Policy and review details
Legal entity
King Price Insurance Company Limited
Reviewed
2026-09-09 by AfriPolicyCover Editorial (source review)
Starting premiumQuote requiredNo comparable published entry premiumDevice conditions
Buying route
Existing-policy add-on
Eligibility
Requires qualifying car, motorbike, home contents or buildings cover. Specify the phone and update changes.
Excess
The chosen excess must be confirmed; see the official excess explanation.
Limits, claims and source checks
Key boundary
Unattended-car claims have specification and concealment conditions.
Claim route
Use the official claim channel and keep device and incident evidence.
  • Insurer identity
  • Covered events
  • Access conditions
  • Excess method
  • Claim route
Insurer identity sourceIdentity is based on the linked official disclosure. Check current permissions in the FSCA register before purchase.Additional policy evidence
Source clarity5.0/ 55.0 of 5 source checks confirmedNext stepBuyOfficial homepage Quote help keeps this plan attached
05Momentum InsureSelect portable possessions

Personal belongings carried daily include cellphones and laptops.

Policy and review details
Legal entity
Momentum Insure Company Limited
Reviewed
2026-09-09 by AfriPolicyCover Editorial (source review)
Starting premiumQuote requiredNo comparable published entry premiumDevice conditions
Buying route
Momentum Select section
Eligibility
Confirm the accepted device, ownership, use and any qualifying base cover.
Excess
A device-specific excess is not stated on the reviewed Select page.
Limits, claims and source checks
Key boundary
Product scope alone does not confirm employer-owned or professional equipment.
Claim route
Use Momentum’s home contents and personal belongings claim process.
  • Insurer identity
  • Covered events
  • Access conditions
  • Excess method
  • Claim route
Insurer identity sourceIdentity is based on the linked official disclosure. Check current permissions in the FSCA register before purchase.Additional policy evidence
Source clarity3.0/ 53.0 of 5 source checks confirmedNext stepBuyOfficial homepage Quote help keeps this plan attached
06MTNLiquid & Accidental Damage

Accidental physical and liquid damage, with repair or replacement subject to the terms.

Policy and review details
Legal entity
Santam Limited
Reviewed
2026-09-09 by AfriPolicyCover Editorial (source review)
Starting premiumQuote requiredNo comparable published entry premiumDevice conditions
Buying route
Network-linked
Eligibility
Network-issued device and scheduled MTN SIM number; tell the administrator about a changed device or number.
Excess
First irreparable damage: 5%, minimum R300; repair: 5%, minimum R150. Early/repeat claims add amounts.
Limits, claims and source checks
Key boundary
Loss and theft are outside this damage option.
Claim route
Notify Admyntec; follow the wording’s police, blocking and claim-document deadlines.
  • Insurer identity
  • Covered events
  • Access conditions
  • Excess method
  • Claim route
Insurer identity sourceIdentity is based on the linked official disclosure. Check current permissions in the FSCA register before purchase.
Source clarity5.0/ 55.0 of 5 source checks confirmedNext stepBuyOfficial homepage Quote help keeps this plan attached
07MTNLoss & Theft Only

Accidental physical loss or theft of the insured device; no accidental-damage benefit.

Policy and review details
Legal entity
Santam Limited
Reviewed
2026-09-09 by AfriPolicyCover Editorial (source review)
Starting premiumQuote requiredNo comparable published entry premiumDevice conditions
Buying route
Network-linked
Eligibility
Network-issued device and scheduled MTN SIM number; tell the administrator about a changed device or number.
Excess
First loss: 10% of device value, minimum R300. Further losses within 12 months add excesses.
Limits, claims and source checks
Key boundary
A dropped or liquid-damaged device is outside this option.
Claim route
Notify Admyntec; follow the wording’s police, blocking and claim-document deadlines.
  • Insurer identity
  • Covered events
  • Access conditions
  • Excess method
  • Claim route
Insurer identity sourceIdentity is based on the linked official disclosure. Check current permissions in the FSCA register before purchase.
Source clarity5.0/ 55.0 of 5 source checks confirmedNext stepBuyOfficial homepage Quote help keeps this plan attached
08MTNMobile All Risk

Accidental physical loss or damage of the insured mobile device; theft and replacement are addressed in the wording.

Policy and review details
Legal entity
Santam Limited
Reviewed
2026-09-09 by AfriPolicyCover Editorial (source review)
Starting premiumQuote requiredNo comparable published entry premiumDevice conditions
Buying route
Network-linked
Eligibility
Network-issued device and scheduled MTN SIM number; tell the administrator about a changed device or number.
Excess
First total loss: 10% of device value, minimum R300; repair: 5%, minimum R150. Early/repeat claims add amounts.
Limits, claims and source checks
Key boundary
SIM, unattended-device and vehicle-security exclusions still apply.
Claim route
Notify Admyntec; follow the wording’s police, blocking and claim-document deadlines.
  • Insurer identity
  • Covered events
  • Access conditions
  • Excess method
  • Claim route
Insurer identity sourceIdentity is based on the linked official disclosure. Check current permissions in the FSCA register before purchase.
Source clarity5.0/ 55.0 of 5 source checks confirmedNext stepBuyOfficial homepage Quote help keeps this plan attached
09MTNRepair Only

Repair of accidental physical damage; no replacement when repairs exceed 70% of the insured value.

Policy and review details
Legal entity
Santam Limited
Reviewed
2026-09-09 by AfriPolicyCover Editorial (source review)
Starting premiumQuote requiredNo comparable published entry premiumDevice conditions
Buying route
Network-linked
Eligibility
Network-issued device and scheduled MTN SIM number; tell the administrator about a changed device or number.
Excess
Get the Repair Only excess in writing; the reviewed excess section does not separately label this option.
Limits, claims and source checks
Key boundary
Liquid damage is excluded; an uneconomical repair can leave the whole replacement cost.
Claim route
Notify Admyntec; follow the wording’s police, blocking and claim-document deadlines.
  • Insurer identity
  • Covered events
  • Access conditions
  • Excess method
  • Claim route
Insurer identity sourceIdentity is based on the linked official disclosure. Check current permissions in the FSCA register before purchase.
Source clarity4.0/ 54.0 of 5 source checks confirmedNext stepBuyOfficial homepage Quote help keeps this plan attached
10NakedSingle-item device cover

Phone theft, loss and accidental damage; single-item cover also includes laptops.

Policy and review details
Legal entity
Hollard Specialist Insurance Limited
Reviewed
2026-09-09 by AfriPolicyCover Editorial (source review)
Starting premiumQuote requiredNo comparable published entry premiumDevice conditions
Buying route
Standalone
Eligibility
Confirm device ownership, condition and value. Purchase evidence is needed for a phone claim.
Excess
Choose an excess in the quote; obtain the accepted amount for the device.
Limits, claims and source checks
Key boundary
Worldwide wording needs its travel-duration conditions checked; no automatic acceptance of every used device.
Claim route
Ask Naked for the current device evidence and approved repair process.
  • Insurer identity
  • Covered events
  • Access conditions
  • Excess method
  • Claim route
Insurer identity sourceIdentity is based on the linked official disclosure. Check current permissions in the FSCA register before purchase.Additional policy evidence
Source clarity4.0/ 54.0 of 5 source checks confirmedNext stepBuyOfficial homepage Quote help keeps this plan attached
11PineappleSpecified all-risk devices

Individual phones, tablets and laptops can be insured; all-risk wording addresses loss and damage.

Policy and review details
Legal entity
Old Mutual Alternative Risk Transfer Insure Limited
Reviewed
2026-09-09 by AfriPolicyCover Editorial (source review)
Starting premiumQuote requiredNo comparable published entry premiumDevice conditions
Buying route
Standalone
Eligibility
Specify the device and value and confirm acceptance through the provider’s application.
Excess
Request the excess for the particular device and event; no common comparable amount is shown.
Limits, claims and source checks
Key boundary
Other insurance shares a covered loss proportionately; two policies do not establish two full settlements.
Claim route
Use the app or website claims route and follow the wording’s loss reporting and phone blacklisting requirements.
  • Insurer identity
  • Covered events
  • Access conditions
  • Excess method
  • Claim route
Insurer identity sourceIdentity is based on the linked official disclosure. Check current permissions in the FSCA register before purchase.Additional policy evidence
Source clarity4.0/ 54.0 of 5 source checks confirmedNext stepBuyOfficial homepage Quote help keeps this plan attached
12SantamPersonal all risks — specified devices

Loss or damage to portable items worldwide; cellphones and laptops are listed as items that can be specified.

Policy and review details
Legal entity
Santam Limited
Reviewed
2026-09-09 by AfriPolicyCover Editorial (source review)
Starting premiumQuote requiredNo comparable published entry premiumDevice conditions
Buying route
Personal insurance section
Eligibility
Have the device specified and confirm the required policy sections with Santam or the intermediary.
Excess
Obtain the device excess and any additional theft conditions from the schedule.
Limits, claims and source checks
Key boundary
The brochure does not establish a universal premium, business-use acceptance or used-device eligibility.
Claim route
Request the device claim and assessment route from the insurer or appointed intermediary.
  • Insurer identity
  • Covered events
  • Access conditions
  • Excess method
  • Claim route
Insurer identity sourceIdentity is based on the linked official disclosure. Check current permissions in the FSCA register before purchase.
Source clarity3.0/ 53.0 of 5 source checks confirmedNext stepBuyOfficial homepage Quote help keeps this plan attached
13TelkomDevice Insurance

Devices bought from Telkom can be covered for accidental physical loss, theft or damage.

Policy and review details
Legal entity
Old Mutual Alternative Risk Transfer Insure Limited
Reviewed
2026-09-09 by AfriPolicyCover Editorial (source review)
Starting premiumQuote requiredNo comparable published entry premiumDevice conditions
Buying route
Network-linked
Eligibility
Telkom purchase and customer conditions apply. Confirm the enrolment deadline: the page mentions both 7 and 60 days.
Excess
Request the current device-value excess schedule before accepting cover.
Limits, claims and source checks
Key boundary
SIM-only deals and listed accessories are excluded; a private used-device purchase is not established as eligible.
Claim route
Use the Telkom device claim route administered by Worldwide Advisory Services.
  • Insurer identity
  • Covered events
  • Access conditions
  • Excess method
  • Claim route
Insurer identity sourceIdentity is based on the linked official disclosure. Check current permissions in the FSCA register before purchase.
Source clarity4.0/ 54.0 of 5 source checks confirmedNext stepBuyOfficial homepage Quote help keeps this plan attached
14VodacomAccidental damage

Accidental damage with repair or replacement if the device is beyond repair.

Policy and review details
Legal entity
Vodacom Insurance Company (RF) Limited
Reviewed
2026-09-09 by AfriPolicyCover Editorial (source review)
Starting premiumQuote requiredNo comparable published entry premiumDevice conditions
Buying route
Network-linked
Eligibility
Confirm the new Vodacom device and scheduled SIM requirements before purchase.
Excess
Get the applicable damage excess; do not assume a low entry premium means a low claim cost.
Limits, claims and source checks
Key boundary
Theft and accidental loss are outside the advertised damage-only option.
Claim route
Use the Vodacom device claims channel before arranging repairs.
  • Insurer identity
  • Covered events
  • Access conditions
  • Excess method
  • Claim route
Insurer identity sourceIdentity is based on the linked official disclosure. Check current permissions in the FSCA register before purchase.
Source clarity4.0/ 54.0 of 5 source checks confirmedNext stepBuyOfficial homepage Quote help keeps this plan attached
15VodacomComprehensive device cover

Loss, theft and accidental damage; eligible phone, tablet and laptop cover is advertised.

Policy and review details
Legal entity
Vodacom Insurance Company (RF) Limited
Reviewed
2026-09-09 by AfriPolicyCover Editorial (source review)
Starting premiumQuote requiredNo comparable published entry premiumDevice conditions
Buying route
Network-linked
Eligibility
New Vodacom devices for Vodacom customers; scheduled Vodacom SIM-use conditions apply.
Excess
Ask for the current excess for the device value and event; the entry premium is not an excess.
Limits, claims and source checks
Key boundary
New-device scope does not establish acceptance of a refurbished or privately purchased phone.
Claim route
Use a Vodacom shop or its insurance claim channel for repair or replacement instructions.
  • Insurer identity
  • Covered events
  • Access conditions
  • Excess method
  • Claim route
Insurer identity sourceIdentity is based on the linked official disclosure. Check current permissions in the FSCA register before purchase.
Source clarity4.0/ 54.0 of 5 source checks confirmedNext stepBuyOfficial homepage Quote help keeps this plan attached

Support signals describe fields in the maintained directory record. “Not shown” means the record does not currently carry that signal; it does not prove the provider lacks the service.

Three ways in

A similar device can have very different buying conditions.

Cellphone and gadget insurance protects the listed hardware after an insured event. Your buying route decides whether a particular product is available to you; its cover level decides which losses it can respond to.

Standalone item cover

Useful when you want to insure one device. Confirm the owner, condition, value and accepted use. A standalone product still has eligibility and evidence requirements.

Network-linked device cover

Check where the device was bought, the enrolment window and required SIM. Changing the handset or using another network can require a policy update. A prepaid or contract label alone does not establish acceptance.

A specified item on a wider policy

Ask what base cover you must hold and what it costs. Budget and King Price publish qualifying-policy requirements. Compare the whole purchase if you would need a new base policy solely to obtain the add-on.

Choose the loss you want covered

“Damage” and “replacement” are separate questions.

Broad cover can include several events, while a cheaper, narrower option can leave theft or liquid damage with you. MTN’s Repair Only wording, for example, excludes liquid damage and offers no replacement when repairs exceed 70% of the insured value.

Choose the event you need covered before comparing the premium
What happens?Broad device coverDamage-only optionLoss/theft-only option
The phone is stolenCheck theft conditionsNo theft benefitCheck theft conditions
You accidentally lose itCheck that loss is includedNo loss benefitOnly if accidental loss is included
You crack the screen in a fallDamage terms and excess applyDamage terms and excess applyOwn repair cost
Liquid enters the deviceConfirm liquid damageMay be included or excludedOwn repair cost
The device cannot be repairedCheck replacement basisRepair-only can leave no replacementDamage is outside this option
A battery wears outUsually maintenance, not an accidentCheck wear and breakdown exclusionsOutside loss/theft cover

Work through theft, loss, screen damage and water-damage claims →

Separate smartphone, laptop and tablet arranged on a desk with a protective sleeve
Check the owner, device identity and replacement value of each item. One insured phone does not automatically cover the other devices. Open the PNG master.

Build a useful quote request

Bring the device facts, not just its brand.

For iPhone insurance, match the exact model and storage. For Samsung Galaxy cover, do the same, including whether the device is a foldable. Ask how an unavailable model would be replaced and who carries out repairs. There is no verified universal premium for either brand.

For laptops and tablets, include professional use, travel and whether the equipment belongs to an employer. Follow the laptop and tablet checks.

A quote is useful when these device facts match
Bring this factAsk this questionKeep the answer
Make, model and storageWhich equivalent device would replace mine?Settlement basis and insured value
Purchase history and conditionWill you accept this used, imported or refurbished unit?Written acceptance and inspection result
IMEI or serial numberWhich device and SIM must be used together?Correct schedule and network conditions
Who owns and uses itDoes family, student or work use fit?Accepted owner and use
Repair and total-loss scenariosWhat is the full excess in each case?Basic, percentage, minimum and additional amounts
Existing contents or device coverCan I add it, and how will other insurance affect a claim?Item listing and duplicate-cover decision

A device’s original price, current replacement cost and insured amount can differ. Keep the provider’s accepted valuation basis rather than assuming last year’s price is still correct. Use the monthly cost and excess worksheet.

Before the first payment

Get to an accepted policy in four checks

  1. Identify the actual device

    Record the exact model, storage, IMEI or serial and its condition. Check who owns it and where it was bought.

  2. Choose events and a buying route

    Compare standalone protection, accepted network cover or a specified item on an existing policy. Check which routes you qualify for.

  3. Ask for two claim calculations

    Price an ordinary repair and a stolen-device replacement with every excess and limit included.

  4. Check the start confirmation

    Keep the accepted schedule, correct identifiers, premium and any inspection or network-use conditions.

Claims flow

Keep recovery, reporting and repair approval together

  1. Secure the device and accounts

    For loss or theft, use the network’s blocking process and secure affected accounts. Keep the incident and reference details.

  2. Notify the insurer promptly

    Use the named administrator and the policy’s reporting deadlines. Ask before arranging repairs.

  3. Provide evidence and review the decision

    Supply the requested ownership and incident evidence. Check the repair or replacement basis and full excess in writing.

Do not assume a claim also settles your airtime agreement, device instalments, lost files or unauthorised transactions. Ask for the hardware settlement and any other loss to be considered under the appropriate contract.

Documents worth keeping ready

  • Purchase invoice or accepted alternative ownership evidence
  • IMEI or serial number and device model
  • Current policy schedule and wording
  • Condition photographs or inspection confirmation
  • Network blacklist and police references when required
  • Claim number, repair assessment and settlement calculation

Keep copies somewhere accessible without the insured phone. AfriPolicyCover does not collect these documents. For a disputed claim, ask the insurer for the decision and wording relied on; the National Financial Ombud explains current non-life complaint assistance.

Questions answered

Frequently asked questions

Can I compare cellphone insurance quotes here?

You can compare sourced policy information and select up to three records. Personalised quote submission is not active. Buy keeps your chosen plan in an on-site next-step state; it does not contact the provider.

Which cellphone insurance is cheapest or best?

There is no verified cheapest policy for every device. Compare monthly premiums with the same phone value, covered events and full excess. An affordable premium can still leave an unaffordable replacement contribution.

Can I insure an iPhone or Samsung Galaxy?

Ask about the exact model, storage, age and condition. Brand alone does not establish acceptance. For an iPhone, Samsung or other handset, confirm the IMEI, replacement standard and repair channel before paying.

Does cellphone insurance cover a cracked screen or water damage?

Only when the selected option covers that event. Damage-only and repair-only cover differ: MTN’s reviewed Repair Only option excludes liquid damage and provides no replacement when repairs exceed its stated threshold. Existing damage is a separate acceptance question, not a new insured accident.

Can I insure a second-hand or refurbished phone?

Acceptance must be checked for the actual device. Keep purchase and ownership evidence, disclose repairs and existing damage, and request any inspection conditions. New-device network products do not establish eligibility for a privately purchased used phone.

Do I need home contents insurance first?

Some products are standalone; others are sections or add-ons. Budget requires a qualifying car, motorcycle or home contents policy for its portable possessions product. King Price also lists a qualifying base-policy requirement. Check this cost before comparing an add-on with standalone cover.

Can I cover a laptop or tablet used for work?

Verify ownership and professional use. Naked’s single-item page expressly describes personal and professional use, but that does not establish the terms of another insurer or acceptance of employer-owned equipment. Device damage and lost business income are different losses.

Will insurance pay off my phone contract?

Do not assume a repair or replacement settles the remaining handset instalments or airtime agreement. Ask the network about continuing charges and the insurer about settlement separately. Keep paying contractual amounts unless the relevant provider confirms a change.

Official references

AfriPolicyCover Editorial reviewed this sample on 9 September 2026. Provider brands and legal insurers are counted separately; MTN’s four different cover levels and Vodacom’s two event options explain part of the record count. Device-model names and optional excess reductions have not been counted as extra policies. This is factual comparison information, not personal financial advice or a claim of partnership. Report a correction.

Check the insurer and intermediary in the FSCA register. We identify the legal carrier and source in each row; a listing does not establish acceptance of your application.

Keep your selected device policy with the next step

Provider contact is coming soon

No personalised quote was requested, no personal details were collected or shared, and no insurer was contacted. Live quote and buying assistance opens only after provider verification and a disclosed commercial launch.