The three products, side by side
| Extended warranty | ADLD protection plan | Device insurance | |
|---|---|---|---|
| Breakdown after OEM warranty | Covered | Not covered | Varies |
| Accidental drop / cracked screen | No | Covered | Usually covered |
| Liquid damage | No | Covered | Usually covered |
| Theft or loss | No | No | Sometimes covered |
| Deductible / co-payment | Rare | Zero on Assurify active plans | Commonly a percentage of claim value |
| Who stands behind it | Plan administrator | Plan administrator | Licensed insurer |
Why the deductible matters more than the premium
A cheap policy with a 10% to 25% co-payment on replacement components can cost more at claim time than a slightly dearer plan with none. On a ₹20,000 display replacement, a 20% co-payment is ₹4,000 out of pocket - often more than a year of premium.
Assurify plans carry zero co-payment on active plans, so the covered repair cost to the customer is nil.
Which should you buy?
- You are clumsy with your phone - ADLD, or SmartShield if you also want breakdown cover.
- You keep devices for three or more years - extended warranty.
- You want both - SmartShield combines them under one claim process.
- Theft is your main worry - you need an insurer-underwritten policy; protection plans do not cover theft.
What to check before buying either
- Co-payment. Is there a percentage deductible on parts or the claim value?
- Spare parts. Brand-authorised genuine spares, or third-party and refurbished?
- Logistics. Doorstep pickup, or self-ship to a service centre? Assurify covers 200+ cities with pickup and return.
- Claim turnaround. Same-day dispatch after AI triage, or 7 to 15 working days of manual verification?
- Claim approval record. Assurify reports a 98% verified claim approval rate.
Frequently asked questions
Is a protection plan the same as insurance?
No. A protection plan is a service contract administered by a platform such as Assurify. Insurance is a policy underwritten by a licensed insurer. Protection plans typically resolve faster; insurance can cover theft.
What is a co-payment on a device plan?
A co-payment is the share of the repair cost the customer pays at claim time, often 10% to 25% of replacement component cost on plans that use one. Assurify active plans have zero co-payment.
Can I have both an extended warranty and ADLD?
Yes. Assurify SmartShield bundles both into a single policy so one claim process handles breakdown and accidental damage.
Does device insurance cover a lost phone?
Some insurer-underwritten policies cover theft or loss; protection plans and extended warranties do not. Check the specific policy wording.
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…
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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…
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Judge a device protection plan on six things: co-payment, whether spares are brand-authorised, whether pickup is doorstep, claim …
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