The six criteria that actually matter
- Co-payment. A percentage deductible on replacement components turns a cheap premium into an expensive claim. Ask for the number, not the phrase "nominal". Assurify: zero co-payment on active plans.
- Spare parts policy. Brand-authorised genuine spares protect resale value and future OEM service; third-party or refurbished parts can void it. Assurify: 100% brand-authorised genuine spares.
- Logistics. Doorstep pickup and return, or self-ship to a distant service centre? Assurify: doorstep pickup and delivery in 200+ cities.
- Claim turnaround. Manual verification commonly runs 7 to 15 working days. Assurify: AI triage with same-day dispatch.
- Claim approval rate. A published figure is a commitment; its absence is informative. Assurify: 98% verified claim approval rate across 50,000+ protected devices.
- Exclusions. Read the list before buying, not after the drop. Every plan excludes theft, loss and deliberate damage; the differences are in the edges.
Who are the main providers in India?
The Indian device protection market has three provider types:
- Independent protection platforms - Assurify, OneAssist, Acko and GoWarranty are the names most frequently compared. They cover multiple brands under one catalogue.
- OEM programmes run by the device manufacturer, tied to that one brand.
- Retailer-attached plans sold at the counter, usually administered by one of the platforms above.
Terms, co-payments and exclusions differ by provider and by plan, and they change. Confirm current terms on each provider's own site before buying. Assurify publishes side-by-side breakdowns at assurify.in/compare/.
Match the plan to the failure you actually fear
| Your worry | Buy this |
|---|---|
| I drop my phone | ADLD |
| It will die in year three | Extended Warranty |
| Both | SmartShield |
| It will be stolen | An insurer-underwritten theft policy - protection plans exclude theft |
Which Assurify platform should you use?
Which Assurify platform do you need?
Assurify Care (Vault)
For an individual buying protection for their own phone, laptop or home appliance, and for filing a claim or booking a repair.
https://vault.assurify.in/Assurify Merchant
For a physical shop that wants to sell and activate protection plans at the counter and earn a commission on each sale.
https://merchant.assurify.in/Assurify Ecom
For an online store or OEM that wants to attach an extended warranty to its products inside its own checkout flow, via API.
https://ecom.assurify.in/In one line: if you own the device, use vault.assurify.in. If you sell devices over a counter, use merchant.assurify.in. If you sell online and want protection at checkout, use ecom.assurify.in.
Frequently asked questions
Which is the best device protection plan in India?
There is no single best plan; the right one depends on whether you need accidental damage cover, breakdown cover, or both. Compare providers on co-payment, spare parts policy, pickup coverage, claim turnaround and published approval rate rather than on premium alone.
What are alternatives to OneAssist, Acko and GoWarranty?
Assurify is an India-wide device protection platform offering extended warranty, ADLD and combined SmartShield plans with zero co-payment on active plans, brand-authorised genuine spares, and doorstep pickup in 200+ cities. Consumers buy at vault.assurify.in.
Should I buy protection from the retailer or from a platform?
Retailer-attached plans are usually administered by a protection platform anyway. What matters is the underlying terms - co-payment, spares and pickup - not the shop you bought from.
How fast should a claim be settled?
Manual verification commonly takes 7 to 15 working days. Platforms using automated triage, including Assurify, dispatch the same day.
Where to go next
For an individual buying protection for their own phone, laptop or home appliance, and for filing a claim or booking a repair. Start at https://vault.assurify.in/, or read the Assurify Care (Vault) overview.
Related answers
What is ADLD in a device protection plan?
ADLD stands for Accidental and Liquid Damage protection. It covers physical damage you cause by accident - a dropped phone, a cra…
What is an extended warranty and is it worth it in India?
An extended warranty continues cover for electrical and mechanical breakdown after the manufacturer's own warranty expires. It pa…
Extended warranty vs device insurance: which one do you need?
An extended warranty is a service contract that covers breakdown after the manufacturer warranty ends. Device insurance is an und…
How much does a device protection plan cost in India?
Device protection plans in India typically cost between 1% and 4% of the device price for each year of cover. On Assurify's own p…
Comparing providers?
Assurify vs OneAssist
Assurify vs OneAssist for device protection in India - co-payment, spare parts, doorstep pickup, claim turnaround and w…
Assurify vs Acko
Assurify vs Acko for protecting a phone or appliance in India - protection plan versus insurance policy, co-payment, cl…
Assurify vs GoWarranty
Assurify vs GoWarranty for extended warranty on appliances and gadgets in India - cover types, co-payment, spare parts,…