TL;DR – Our version of “I’m not reading all that, *SparkNotes pls.”
- Your phone is basically an extension of you: Losing or damaging it can feel like losing a part of yourself, but phone insurance can help take the sting out of the situation.
- Cost vs. Peace of Mind: The small monthly fee for insurance could save you from a massive unexpected expense down the road—think of it as your “just in case” safety net.
- Accidents happen, no judgment here: Whether it’s a slip in the sink or a tumble on the pavement, insurance ensures you’re covered when life happens.
- Not all policies are equal: Make sure to pick a plan that covers what matters most to you—like screen damage or theft.
- Is it worth it? If your phone is a vital part of your life and finances, the answer is probably yes. After all, you wouldn’t want to be “riding dirty” without protection, right?
Phone Insurance Top Tip Tuesdays
Phone insured? If not we’ve got you covered 😉 or maybe by the end of this article we will!
We live in South Africa and let’s be honest if you haven’t had a phone stolen you sure know someone who has! But theft isn’t the only thing to worry about — cracked screen? Impact damage? Lightning and power surge damage? The list goes on…
So… Why Insure Your Phone?
Well first off can you imagine your life without a cell phone? 🤯
We didn’t think so! It’s 2021 and even though some of us have started going back into the office a lot of us are still working from home — your phone is how you communicate with the outside world!
Whether you’re scrolling through Instagram for hours, listening to the latest track from your fave muso or calling your mum — phones are essential to modern life!
At Pineapple not only can you insure your phone but you can insure your power bank, headphones and other mobile accessories!
What’s more you can take out per-item insurance OR include multiple items .
No paying for cover you don’t need and insuring only what you want! Did you know you can even insure phones that aren’t brand new!?
What Our Cellphone Insurance Covers
🚔 Screen damage, because no one likes a cracked screen! This can be activated in-app by uploading a screen-selfie
👮Theft, in case bad guys try to steal or damage your phone
💔Accidental Damage, in case you accidentally drop or damage your phone
💧Water damage, in case your phone accidentally goes for a swim and drowns
⚡Power surges, in case your phone gets electrocuted to death during an electrical power surge
⛈️Mother Nature, in case your phone gets swept away or damaged during a storm, tornado, flood, hail storm, earthquake, lightning strike, etc.
🔥Fire, in case your phone gets cooked in a fire or an explosion
👽Alien abduction, well maybe not 😉 but then again…
Please see full policy wording for full exclusions and examples.
How To Insure Your Phone
With Pineapple Insurance it’s as easy as a snap, in a snap. 📸 In a snap? That’s right with us you can get a quote, insure, claim, amend and cancel right in our app 24/7. No paperwork, no calls! Get it now.
Simply download Pineapple Insurance in your app store, set up a profile and get a quote in under 90 seconds? Sound too good to be true? It isn’t, just take a look at what some of our members say!
Insurance as it should be! It’s Painless. It’s Fair. It’s Pineapple. 🍍🍍🍍
Top 10 cellphone insurance questions and answers:
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What does phone insurance actually cover?
Phone insurance typically covers theft, accidental damage, water damage, and fire. At Pineapple, your policy can also cover screen damage and storm damage.
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Is phone insurance worth it in South Africa?
Yes — for most people, phone insurance is worth it. With theft and accidental damage being common, a small monthly premium can save you from replacing an expensive smartphone out of pocket. It’s especially valuable if your phone is essential for work, banking, or communication.
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How much does phone insurance cost?
The price depends on your phone’s value, model, cover type and your risk profile. On average, South Africans pay between R100 and R300 per month for comprehensive phone insurance. Get a quote in under 90 seconds with Pineapple.
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Can I insure a second-hand or older phone?
Yes. Pineapple allows you to insure pre-owned phones, as long as they are still in good working condition. You’ll just need to upload proof of ownership and a quick “screen selfie” in-app.
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Does phone insurance cover screen cracks?
Yes — screen damage is specifically covered by Pineapple’s phone insurance. You can even activate screen cover instantly by uploading a clear “screen selfie” when setting up your policy.
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What isn’t covered under phone insurance?
Typical exclusions include intentional damage, unexplained loss, or wear and tear. Always review the full policy wording to understand what’s excluded, such as non-accidental damage or loss due to negligence.
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Can I insure multiple devices on one policy?
Yes. Pineapple allows multi-item cover — meaning you can insure multiple specified items – your phone, power bank, smartwatch, and other gadgets – individually but manage them all under one app profile.
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How quickly can I get phone insurance?
With Pineapple, you can get covered in under two minutes. Download the app, set up your profile, and get an instant quote — all online, no paperwork required.
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What makes Pineapple’s phone insurance different?
Pineapple offers flexible per-item cover, instant activation, and 100% app-based management. You choose what to insure, adjust or cancel anytime, and enjoy cover for theft, accidental damage, and even South African-specific risks like power surges.
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What proof do I need when claiming for a stolen or lost cellphone?
To process a cellphone claim at Pineapple, you must provide proof of ownership and proof that the device has been blacklisted.
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Report the incident to the SAPS and get a case number.
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Contact your network provider (Vodacom, MTN, Cell C, etc.) to have the IMEI number blacklisted.
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Submit proof of blacklisting and ownership (e.g. purchase invoice or contract).
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Pineapple (FSP 48650) is underwritten by Old Mutual Alternative Risk Transfer Insure Limited, a licensed Non-Life Insurer and authorised FSP. T&Cs apply. Premium is risk profile dependent.
Please Note: The information provided above is for informational purposes only; you should not construe any such information as legal or financial advice.
