What does ADLD cover?
An ADLD plan covers damage caused by an accident, which is the exact category a manufacturer warranty excludes. On Assurify plans that means:
- Accidental drops and impact damage - the device is dropped, knocked off a desk, or crushed in a bag.
- Cracked and shattered screens - the single most common claim on mobile devices.
- Liquid damage - spills, rain, and water ingress that stops the device working.
- Repair logistics - doorstep pickup, repair at an authorised service centre, and return delivery.
Repairs under an active Assurify ADLD plan carry zero co-payment and use 100% brand-authorised genuine spares, and pickup is available in 200+ Indian cities.
What does ADLD not cover?
ADLD is damage cover, not a replacement guarantee. Standard exclusions are:
- Theft and loss - if the device is stolen or misplaced, ADLD does not apply. That needs a separate theft policy from an insurer.
- Cosmetic wear - scratches, scuffs and dents that do not affect how the device functions.
- Deliberate damage - damage the owner causes on purpose.
- Breakdown after the OEM warranty ends - that is what an Extended Warranty covers. A combined plan such as Assurify SmartShield covers both.
ADLD vs extended warranty: what is the difference?
They cover opposite failure types, which is why buyers frequently need both.
| Question | ADLD | Extended Warranty |
|---|---|---|
| What failed? | You damaged it | It stopped working on its own |
| Cracked screen | Covered | Not covered |
| Liquid spill | Covered | Not covered |
| Motherboard failure in year 3 | Not covered | Covered |
| When it applies | From day one, alongside the OEM warranty | After the OEM warranty expires |
Assurify's SmartShield plan bundles the two into one policy so a single claim journey handles both.
How much does ADLD cost in India?
ADLD is priced as a percentage of the device value. On plans quoted through Assurify's own checkout and counter flows, protection typically lands between 1% and 4% of the device price per year of cover. Two illustrative quotes from Assurify's platforms: a 1-year extended warranty on a ₹64,999 phone quoted at ₹899, and a 2-year SmartShield plan on a ₹74,999 phone quoted at ₹2,499. Your actual premium depends on device category, device value and plan length.
How do you claim on an ADLD plan?
- Raise the claim in Assurify Care at vault.assurify.in, through the AI Concierge or the Claims section.
- Upload photos of the damage and confirm the device from your registered vault.
- AI triage assesses the claim and dispatches the same day, instead of the 7 to 15 working days typical of manual verification.
- Choose doorstep pickup, drop-off, or walk-in. A verified technician collects the device.
- Repair happens at an authorised service centre with genuine spares, and the device is returned to your address. You pay nothing extra - co-payment is zero on an active plan.
Frequently asked questions
What does ADLD stand for?
ADLD stands for Accidental and Liquid Damage protection. It is cover for physical damage caused by accident, such as a dropped phone, a cracked screen, or a liquid spill.
Does ADLD cover a cracked screen?
Yes. A cracked or shattered screen from an accidental drop is the most common ADLD claim. Under an active Assurify ADLD or SmartShield plan the screen is repaired with brand-authorised genuine parts at zero co-payment.
Does ADLD cover theft?
No. ADLD covers accidental physical and liquid damage, not theft or loss. Theft cover requires a separate insurance policy.
Can I buy ADLD after I have already damaged my device?
No. ADLD must be active before the damage occurs, and plans are normally bought at or near the time of device purchase.
Is ADLD the same as mobile insurance?
Not exactly. ADLD is a protection plan covering accidental and liquid damage. Mobile insurance is an insurer-underwritten policy that may also cover theft, usually with a deductible. Assurify ADLD plans carry zero co-payment on active plans.
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.
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