24 Hour Cellular Mobility

Build your own insurance solution

Pinnacle is the one insurance solutions provider that offers you a range of options, allowing you to custom design a Mobile insurance solution in line with what you need and what you can afford. Your options are:

  • ALL RISK cover
  • Liquid and Accident cover
  • Repair only cover

You have the choice. You no longer have to pay for cover that you don’t need.

Our suite of cellular insurance products covers any prepaid or contract customers receiving or purchasing a mobile device, or collecting an upgraded mobile device.

All Risk

A comprehensive insurance solution for mobile devices, covering you for:

  • Loss or theft (loss from public places is covered if due care and precaution was taken)
  • Accidental damage
  • Liquid damage
  • Worldwide cover

Liquid and Accident

This insurance option includes repairs as well as replacement should the damaged device be deemed beyond economical repair:

  • Accidental damage
  • Liquid damage
  • Worldwide cover

Repair Only

The Repair only option offers the following cover:

  • Accidental damage (This option only provides cover for repairable damage. Cover is not provided where damage exceeds 70% of the value of the device or where the device is deemed beyond economical repair.
  • Worldwide cover

Are You Interested?

Exclusions (Accross All Cellular Insurance Packages)

  • The costs of replacing, reinstating or making good wear and tear, gradual deterioration, scratching or other superficial damage to outer casings, aerials or keypads
  • Any loss or damage during the hire or loan or the MOBILE DEVICE to another person
  • Loss of or damage to the MOBILE DEVICE resulting from theft or any attempt thereat from any unattended vehicle, unless the vehicle was locked and the MOBILE DEVICE is concealed in the cubby hole or boot. Any such loss must involve forcible and violent entry into the vehicle.
  • Loss or damage to batteries, other than when they are stolen or lost together with the MOBILE DEVICE
  • Loss or damage arising from the MOBILE DEVICE not being safeguarded whilst being charged
  • Consequential loss of any kind whatsoever
  • Loss of or damage to accessories and or car kits
  • Loss or damage arising from the MOBILE DEVICE where it is left unattended in a public place, place of recreation, office, mall or social occasion where it is vulnerable for easy removal or damage
  • Loss or damage arising from the MOBILE DEVICE being left unattended or exposed when unknown persons or 3rd parties are in your home, office or similar area.
  • Loss or damage arising from the MOBILE DEVICE being removed from your locked home, office or similar area where there is no proof of forcible or violent entry into the area
  • Loss or damage to your SIMCARD unless the optional SIMCARD cover has been included from inception of the policy. Loss of your SIMCARD involving theft must involve theft of the MOBILE DEVICE
  • Loss of or damage to the MOBILE DEVICE arising from or contributed to by gross negligence or wilful conduct by you
  • Loss or damage arising from a wilful act carried out by yourself or any other person known to you
  • Loss or damage arising from a manufacturers defect
  • Loss, damage or defect that is covered under the manufacturer’s warranty
  • Loss, damage or defect arising from any software or application
  • Loss or damage caused by electronically conveyed viruses
  • Loss or damage arising from remote jamming devices or related events
  • Loss or damage arising from any unauthorised repairs or as a result of bad workmanship by an unauthorised repairer
  • Loss or damage resulting from political or non political riot, strike or civil commotion, public disorder, war, invasion, terrorism or public violence for which is insurable by SASRIA (South African Special Risks Insurance Association) is excluded from this cover


  • Only the mobile device in the schedule, used together with the cellphone number listed in the schedule forming part of the application document, is covered. 24 Hour Mobility must be notified of any new details if changed, prior to a claim.
  • 24 Hour Mobility does not limit you to one number, but allows you to insure two numbers with your HANDSET or MOBILE DEVICE.
  • All changes to policy must be sent to 24 Hour Mobility either via fax, email or telephonically.
  • Failure to pay premiums will result in cover being suspended without notice.
  • Insurance must be taken on the same day as collection of the HANDSET or MOBILE DEVICE or within 6 months of collection.
  • It is your duty to notify us in writing should the value of the mobile device exceed or decrease the indemnity limit selected when insuring the mobile device, or if any other changes have been made to the original agreement.
  • It is your duty to notify the insurer should you upgrade your HANDSET or MOBILE DEVICE. Only the risk item listed on the schedule is covered.

Why You Pay In The Event Of A Claim

Please note that all the excess structures below are for policies taken from November 2011 – please refer to your policy documents or contact our offices to check your terms and conditions if you signed for insurance prior to this date.

Each time you have a valid claim under this policy, you agree to pay a first amount due, which is;

In the event of a TOTAL LOSS (lost, stolen or beyond economical repair);

  • 1st Loss R300.00
  • 2nd Loss R750.00
  • 3rd Loss R1000.00

If the mobile device is REPAIRABLE;

  • R150.00 is payable.
  • If you have a second loss within 12 months, this amount increases to R300.00 and remains R300.00 for all other losses thereafter.
  • When a period of 12 months from date of last claim has elapsed, the first amount payable structure will be reset.
  • Repairable damage: repair will be done at the sole discretion of the Insurer.

* All claims within the first 60 days of cover on both total loss and repairable damage claims will carry an additional excess of R300.00.