Device Protection Plan FAQ: Extended Warranty FAQ India, Answered Simply

A device protection plan is an add-on cover you buy alongside or shortly after purchasing an electronic device — a phone, laptop, TV, refrigerator, washing machine, or air conditioner — that extends protection beyond the manufacturer's limited warranty. It typically bundles extended warranty against mechanical or electrical defects with accidental damage, liquid damage (ADLD), and in many cases pickup, repair, or replacement support, for a fixed additional term, usually one to three years.

The manufacturer's warranty is free, included with the device, and covers only manufacturing defects for a limited period — usually one year — while explicitly excluding accidental damage, drops, liquid exposure, and normal wear. A device protection plan is purchased separately and is designed to cover the gaps the manufacturer's warranty leaves out, and/or to extend defect cover for additional years after the manufacturer's term ends.

ADLD stands for Accidental Damage and Liquid Damage. It is the part of a protection plan that covers damage caused by everyday accidents — a cracked phone or TV screen from a drop, a laptop that's been knocked off a desk, or a device that's come into contact with water or another liquid. ADLD cover is distinct from extended warranty, which only addresses manufacturing defects, not accidents.

Whether an extended warranty is worth it in India depends on how long you intend to keep the device and how expensive it is to repair. For higher-value devices like premium smartphones, laptops, and large appliances — where a single out-of-warranty repair (a cracked screen, a compressor replacement, a motherboard swap) can cost a significant fraction of the device's price — a protection plan is generally worth considering, especially since Indian households typically keep devices for three or more years, well past the one-year manufacturer warranty window.

In most cases, yes — many protection plans can be purchased within a defined window after the original device purchase, sometimes extending up to 30 days or more depending on the merchant or partner's terms, though cover and eligibility (such as a working-condition check) vary by plan, category, and the specific partner selling it. It is not something Assurify sells directly; it is always confirmed at the point of sale through the merchant or retailer.

Protection plans generally exclude cosmetic damage that doesn't affect function (minor scratches, dents), damage from unauthorized repairs or modifications, loss or theft (unless a specific theft cover is added), consequential or incidental losses, and any pre-existing damage that existed before the plan was activated. The exact exclusion list always sits in the specific plan's terms, which vary by merchant partner and device category.

A typical protection plan claim follows four steps, regardless of device category: first, the plan is activated at the point of sale against the device's serial number or IMEI; second, the device and plan are registered on the servicing platform, visible to the merchant and the policyholder; third, when damage or a defect occurs, the claim is raised — usually through Assurify Care — describing the issue; and fourth, the claim is routed to a certified repair partner for assessment, repair, or replacement, with status tracked throughout.

A protection plan is a service contract tied to a specific device, sold by a merchant or retailer, covering defined repair or replacement scenarios for that device over a fixed term. Insurance is a regulated financial product, underwritten by a licensed insurer, governed by IRDAI, and typically involves a formal policy document, premium, and claims process under insurance law. Many protection plans are administered on technology platforms like Assurify's, but the underlying cover may be structured as a service contract or, in some cases, backed by an insurer partner — the distinction matters for how claims are legally handled.

Generally no — most protection plans are designed around defects and accidents, not gradual deterioration from age or ordinary use, such as declining battery capacity, fading screen brightness, or normal mechanical wear after years of use. This is a standard exclusion across the industry, not specific to any one plan or provider.

This depends on the specific plan and partner — some protection plans are tied to the original purchaser and device and are non-transferable, while others may allow a transfer to a new owner if the device is sold during the plan's term. If you're planning to sell a device with an active plan, check the specific plan's terms or contact the merchant or partner it was purchased through.

No — Assurify is a B2B protection-infrastructure company, not a direct-to-consumer insurer or warranty seller. Our platform is used by merchants, retailers, D2C brands, and insurers to build, distribute, and administer protection plans at the point of sale. If you're a consumer looking to buy a plan, we'll connect you with the merchant or partner you purchased your device from; if you're a retailer or brand looking to offer protection plans, contact us directly.