Is an Apple Watch worth insuring in South Africa?

For higher-end models the maths usually works: a cracked screen repair often costs more than a year of premiums, and street theft of visible wearables is common in metro areas.

Are smartwatches covered while running or cycling?

Yes on comprehensive policies. Sports use is normally covered, though damage from an activity the device is not rated for — deep diving, for example — can be excluded.

Does wearable insurance cover the strap?

Straps and bands are usually treated as accessories and excluded unless specified. Ask for them to be listed if you use a premium band.

How much is smartwatch insurance?

Typically R59 to R150 a month depending on the model's replacement value and whether theft away from home is included.

Wearable protection

Smartwatch insurance that keeps up with you

Apple Watch, Galaxy Watch, Garmin and Fitbit — covered for theft, cracked screens and the knocks that come with training, commuting and everyday wear.

Theft & snatch cover
Cracked screen repairs
Accidental damage
Sports & training use
Worldwide cover available
Multi-device discounts

From R59/mo · cancel anytime

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Smartwatch insurance guides

Supporting guides in this cluster — pricing, claims and what to check before you buy.

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Device insurance by city

Local pricing, theft hotspots and claim tips for South Africa's biggest metros.

DurbanKwaZulu-Natal

Frequently asked questions

Is an Apple Watch worth insuring in South Africa?: For higher-end models the maths usually works: a cracked screen repair often costs more than a year of premiums, and street theft of visible wearables is common in metro areas.
Are smartwatches covered while running or cycling?: Yes on comprehensive policies. Sports use is normally covered, though damage from an activity the device is not rated for — deep diving, for example — can be excluded.
Does wearable insurance cover the strap?: Straps and bands are usually treated as accessories and excluded unless specified. Ask for them to be listed if you use a premium band.
How much is smartwatch insurance?: Typically R59 to R150 a month depending on the model's replacement value and whether theft away from home is included.

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