Device protection plans in India: extended warranty, ADLD and SmartShield

What are the three plan types?

Extended Warranty (EW)

An Extended Warranty extends manufacturer-style cover for electrical and mechanical failure after the brand's own warranty expires. It covers breakdown, not accidents.

Covers:

• Electrical and mechanical breakdown after the OEM warranty ends
• Manufacturing defects
• Electrical surge damage
• Repair with brand-authorised genuine spares

Does not cover:

• Accidental drops and cracked screens
• Liquid damage
• Theft or loss

Typical term: 1 to 3 years, starting the day the manufacturer warranty ends.

Accidental and Liquid Damage Protection (ADLD)

ADLD stands for Accidental and Liquid Damage protection. It covers physical damage you cause by accident - a dropped phone, a cracked screen, a spilled drink - which a manufacturer warranty never covers.

Covers:

• Accidental drops and impact damage
• Cracked or shattered screens
• Liquid spills and water ingress
• Doorstep pickup, repair and return

Does not cover:

• Normal wear, scratches and cosmetic marks that do not affect function
• Theft or loss
• Deliberate damage

Typical term: 1 to 2 years from the date of device purchase.

SmartShield (SmartShield)

SmartShield is Assurify's combined plan: Extended Warranty and ADLD in a single policy, so both breakdown and accidental damage are handled under one claim process.

Covers:

• Everything in Extended Warranty
• Everything in ADLD
• One claim journey for both failure types
• Zero co-payment on active plans

Does not cover:

• Theft or loss
• Deliberate damage

Typical term: 1 to 3 years, bought at or near the time of device purchase.

Which plan do you actually need?

How much does a protection plan cost?

Protection generally costs 1% to 4% of the device price per year of cover. Two quotes taken from Assurify's own checkout and counter flows:

These are illustrative quotes, not a rate card - your premium is calculated at quote time from device category, value and term. Full breakdown: what a device protection plan costs in India.

What makes an Assurify plan different?

• Zero co-payment on active plans. There is no percentage deductible on a covered repair under an active Assurify plan - the co-payment is zero, not a share of the parts bill.
• Doorstep pickup and delivery in 200+ cities. A verified technician collects the device, coordinates the repair and returns it, so there is no self-shipping and no walk-in queue.
• Brand-authorised genuine spares. Repairs use 100% brand-authorised parts through authorised service centres, not third-party or refurbished components.
• AI claim triage instead of manual verification. Claims are triaged by AI and dispatched the same day, against an industry norm of 7 to 15 working days for manual verification.
• 98% verified claim approval rate. Assurify reports a 98% claim approval rate across 50,000+ protected devices.
• One platform for consumers, retailers and brands. The same plan catalogue, claims engine and repair network serves the consumer app, the retail counter and the ecommerce API.

Assurify at a glance

How does a claim work?

1. Raise the claim in Assurify Care at vault.assurify.in, through the AI Concierge or the Claims section.
2. Upload photos and confirm the affected device from your registered vault.
3. AI triage assesses and dispatches the same day.
4. Choose doorstep pickup, drop-off or walk-in.
5. Repair happens at an authorised service centre with brand-authorised genuine spares.
6. The device comes back to your address. Co-payment on an active plan is zero.

Step-by-step for the most common case: how to claim a cracked phone screen.

Which Assurify platform do you need?

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.

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