Business Marketplace: Flexible phone insurance from so-sure

For business owners, freelancers and contractors, a mobile phone is often an essential tool for work. And that means phone insurance should be too. From today, Starling business customers can sign up for simple, reasonable and hassle-free insurance from so-sure.

Starling business customers - sole trader, limited company and multi-user accounts - can access so-sure phone insurance from the business Marketplace. In just a few clicks, you’ll be instantly covered for loss, theft, accidental damage, out-of-warranty breakdowns and international travel. Unlike other insurers, so-sure cover phones that are up to three years old. Plus if you don’t make a claim over the course of a year, you could earn up to 80% of your premium back.

How do I sign up with so-sure?

To sign up, go to your Starling menu in the app, click Marketplace and tap Browse. Our partner so-sure can be found under the insurance category. Once you give your permission, we’ll take care of the faff of form-filling so that you can save time and energy for that freelance project or leafing through the CVs for a new employee. You’ll have enough business admin as it is, we don’t want to add to it.

What does so-sure cover include?

Features of so-sure insurance include:

• Replacement or repair within 72 hours

• Low excess from just £50

• Up to 80% of your money back if you don’t make a claim

• Cover for phones up to 3 years old

• Cover for second hand phones

How do I make a claim with so-sure?

We’ve all been there: you’re hastily washing up your cereal bowl and as you reach for a tea towel, you knock your phone over which tumbles into the soapy water. You frantically dunk the phone in a mug of rice. But it doesn’t work. Next step? Contact so-sure. Your policy will cover you for 24-72 hour replace or repair. There’s a low excess from £50 for accidental damage and from £70 for loss and theft when you validate your phone within the so-sure app. Of all claims made, so-sure declines fewer than 4%.

What happens if I don’t make any claims?

A key feature of so-sure is that it offers social insurance. That means you can link your policy to other business owners, freelancers or friends who also have so-sure, or if you’re offering employees insurance, connect these policies together. If by the end of the year, none of your group have made claims, you could receive up to 80% of your money back. Insurance with so-sure is also available to Starling personal customers.

Insurance providers giving money back to customers would previously be unheard of. But that’s what makes so-sure different - it’s about people, not profits. Find out more about the Starling business Marketplace.