Best cellphone & gadget insurance in South Africa (2026)

By the Rateweb editorial team · How we rate · Product details checked 21 Jun 2026

Compare cover for your phone, laptop and gadgets against theft, loss and accidental damage — from the networks and standalone insurers. Premiums depend on the device, so we compare on cover; always confirm your quote.

🏆 Our top picks
Best standalone OUTsurance ★ 4.4/5 — see why ↓ Best app experience Pineapple ★ 4.3/5 — see why ↓ Lowest premium Naked ★ 4.2/5 — see why ↓ Best with a contract Vodacom Insurance ★ 4.1/5 — see why ↓

⭐ Ratings & awards are Rateweb's independent editorial opinion — how we rate.

🎯 Not sure which is right for you? Get a personalised plan ranked for your situation. Get my plan →
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9 results
🏆 Best standalone No contract needed

OUTsurance

Standalone all-risk cover for phones, laptops and gadgets, with the OUTbonus.
★★★★☆
4.4/5 · How we rate
Cover4.4
Value4.5
Claims4.4
Flexibility4.5
All risks
Cover
Standalone
Type
1
Standalone
Pros
  • Covers theft, loss and accidental damage
  • No network contract required
  • OUTbonus cash-back
Cons
  • Excess applies
  • OUTbonus takes years
Fees, eligibility & documents
Eligibility
  • Device details & value
  • Proof of purchase may be required
  • Excess applies on claims
Get a quote
🏆 Best with a contract

Vodacom Insurance

Device cover that bundles easily with your Vodacom contract or prepaid phone.
★★★★☆
4.1/5 · How we rate
Theft, loss, damage
Cover
Network
Type
Standalone
Pros
  • Easy to add to a Vodacom plan
  • Theft, loss and damage cover
  • Quick claims at stores
Cons
  • Best value within Vodacom
  • Excess and limits apply
Fees, eligibility & documents
Eligibility
  • Device details & value
  • Proof of purchase may be required
  • Excess applies on claims
Find out more

MTN Device Insurance

Cover for your MTN phone or device against theft, loss and damage.
★★★★☆
4.0/5 · How we rate
Theft, loss, damage
Cover
Network
Type
Standalone
Pros
  • Bundles with your MTN plan
  • Theft, loss and damage
  • Store support
Cons
  • Tied to MTN
  • Excess applies
Fees, eligibility & documents
Eligibility
  • Device details & value
  • Proof of purchase may be required
  • Excess applies on claims
Find out more

MiWay Portable Possessions

Add phones, laptops and gadgets to a flexible all-risk portable-possessions policy.
★★★★☆
4.1/5 · How we rate
All risks
Cover
Standalone / add-on
Type
1
Standalone
Pros
  • Covers multiple gadgets
  • All-risk, in and out of the home
  • Fully digital
Cons
  • Part of a wider policy
  • Excess applies
Fees, eligibility & documents
Eligibility
  • Device details & value
  • Proof of purchase may be required
  • Excess applies on claims
Get a quote

Cell C Insurance

Device cover for Cell C customers against theft, loss and damage.
★★★★☆
3.9/5 · How we rate
Theft, loss, damage
Cover
Network
Type
Standalone
Pros
  • Bundles with a Cell C plan
  • Theft, loss and damage
  • Convenient
Cons
  • Tied to Cell C
  • Excess and limits apply
Fees, eligibility & documents
Eligibility
  • Device details & value
  • Proof of purchase may be required
  • Excess applies on claims
Find out more
🏆 Best app experience

Pineapple

App-based per-item device cover with instant activation and easy claims.
★★★★☆
4.3/5 · How we rate
Theft & damage
Cover
1
Standalone
Pros
  • 100% app-based, instant cover
  • Theft, damage and power-surge cover
Cons
  • Per-item add-ons add up
Get a quote
🏆 Lowest premium

Naked

AI-driven insurer with some of the lowest device premiums and quick claims.
★★★★☆
4.2/5 · How we rate
Theft & damage
Cover
1
Standalone
Pros
  • Very competitive premiums
  • Fully app-managed
Cons
  • Digital-only support
Get a quote

FNB Device Insurance

Bank-linked device cover managed in FNB online banking.
★★★★☆
4.0/5 · How we rate
Loss, theft & damage
Cover
Standalone
Pros
  • Manage in FNB banking
  • Loss, theft and damage
Cons
  • Best for FNB customers
Get a quote

Standard Bank Device Cover

Mobile device cover from R65 including loss, via Standard Bank.
★★★★☆
4.0/5 · How we rate
Loss & damage
Cover
Standalone
Pros
  • Affordable, includes loss
  • Bank-managed
Cons
  • Best for Standard Bank clients
Get a quote
📖 Want the full picture? Best Cellphone & Gadget Insurance in South Africa — our in-depth editorial guide. Read the guide →

Ratings are Rateweb's editorial opinion. Product details can change — always confirm with the provider before applying. Rateweb may earn a commission on some applications. This is general information, not financial advice.

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