{"uin":"IRDAN103RP0003V01202021","name":"IndusInd Extended Warranty And Asset Protection Policy","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-extended-warranty-and-asset-protection-policy-irdan103rp0003v01202021","insurer":{"slug":"indusind-general-insurance","name":"IndusInd General Insurance Company Limited","url":"https://indiainsurances.com/insurer/indusind-general-insurance"},"line":"general","category":"other-general","category_name":"Other general insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"This is an extended warranty and asset protection policy for insured consumer durable assets such as televisions, refrigerators, computers, laptops and mobile phones. It pays repair or replacement costs for opted base covers such as extended warranty, accidental damage, fluid damage, pest damage and screen damage, with any Section 3 base-cover risk period limited to three years.","analysis":{"state":"machine","analysed_at":"2026-10-20 04:49:08.19974+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"The Certificate Period is the period between the start and end dates in the Certificate of Insurance. The maximum Risk Period allowed for any Section 3 Base Cover is three years.","display":"Certificate Period per Certificate of Insurance; maximum Risk Period for any Section 3 Base Cover is three years","note":"The exact Certificate Period Start Date and End Date appear in the Certificate of Insurance.","quote":"Certificate Period means the time period between the Certificate Period Start Date and the Certificate Period End Date (inclusive of both the days). It can be alternatively called as the Policy Period. ... The maximum Risk Period allowed for any Cover under Section 3 Base Covers shall be limited to a maximum of three years.","sources":[{"clause":"Section 2(ix)","heading":"Certificate Period","page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-extended-warranty-and-asset-protection-policy-irdan103rp0003v01202021/document/9895#c-section-2-ix"},{"clause":"Section 2(xxxvi)","heading":"Risk Period","page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-extended-warranty-and-asset-protection-policy-irdan103rp0003v01202021/document/9895#c-section-2-xxxvi"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Notify the Company immediately on occurrence of a claim and in any case within 7 days, giving full description of loss or damage and the cause.","display":"Immediately, and in any case within 7 days","note":null,"quote":"Notify to Company immediately on occurrence of a Claim and in any case within 7 days giving full description of loss/damage and the cause.","sources":[{"clause":"7.3(I)(a)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-extended-warranty-and-asset-protection-policy-irdan103rp0003v01202021/document/9895#c-7-3-i-a-3"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["duly filled and signed Claim form","Proof of Ownership-Invoice Copy","Manufacturer’s Warranty Certificate as applicable","Repair Bill as applicable","Any other document as may be reasonably required by the Company or Company’s representative to investigate the Claim"],"display":"Claim form, invoice copy, manufacturer’s warranty certificate, repair bill and any other reasonably required document","note":null,"quote":"Submit the duly filled and signed Claim form along with the below mentioned supporting documents within 30 days from the date of intimation. ... Proof of Ownership-Invoice Copy ... Manufacturer’s Warranty Certificate as applicable ... Repair Bill as applicable ... Any other document as may be reasonably required by the Company or Company’s representative to investigate the Claim.","sources":[{"clause":"7.3(I)(b)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-extended-warranty-and-asset-protection-policy-irdan103rp0003v01202021/document/9895#c-7-3-i-b-3"},{"clause":"7.3(I)(c)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-extended-warranty-and-asset-protection-policy-irdan103rp0003v01202021/document/9895#c-7-3-i-c-3"},{"clause":"7.3(I)(d)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-extended-warranty-and-asset-protection-policy-irdan103rp0003v01202021/document/9895#c-7-3-i-d-3"},{"clause":"7.3(I)(e)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-extended-warranty-and-asset-protection-policy-irdan103rp0003v01202021/document/9895#c-7-3-i-e"},{"clause":"7.3(I)(f)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-extended-warranty-and-asset-protection-policy-irdan103rp0003v01202021/document/9895#c-7-3-i-f"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"conflicting","value":"On receipt of all required relevant and necessary information or documents, the Company must offer a claim settlement within 30 days; if it rejects a claim, it must do so within 30 days from receipt of the last relevant and necessary document.","display":"30 days from all required documents; rejection within 30 days from last relevant and necessary document","note":"CIS says: \"The insurer shall decide on the claim within seven days of receipt of the survey report.\" The policy wording is treated as higher authority.","quote":"On receipt of all required information/ documents that are relevant and necessary for the Claim, the Company shall, within a period of 30 days offer a settlement of the Claim to the insured. If the Company, for any reasons, decides to reject a Claim under the Policy, it shall do so within a period of 30 days from the receipt of last relevant and necessary document. ... The insurer shall decide on the claim within seven days of receipt of the survey report.","sources":[{"clause":"7.3(I)(d)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-extended-warranty-and-asset-protection-policy-irdan103rp0003v01202021/document/9895#c-7-3-i-d-2"},{"clause":null,"heading":"4. Pest Damage","page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-extended-warranty-and-asset-protection-policy-irdan103rp0003v01202021/document/9734#c-4-pest-damage"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Waiting Period: any Claim arising on the Policy is not admissible","Aesthetic defects","Alteration /Modification of the Insured Asset","Commercial Usage","Consequential/ Legal Losses","Consumable Items","Data loss","Geographical limits","Power Fluctuation","Repairs by Unauthorised Service Centre","Theft/Burglary","Wear and Tear","Wilful Act/Negligence","Any item not covered under the original Manufacturing Warranty","Product Recall"],"display":"Waiting period claims, aesthetic defects, alteration/modification, commercial usage, consequential/legal losses, consumables, data loss, repairs outside India, power fluctuation, unauthorised repairs, theft/burglary, wear and tear, wilful act/negligence, items not covered by original manufacturing warranty and product recall","note":null,"quote":"Waiting Period means the time period that starts on the Certificate Period Start Date and ends on the number of Days mentioned as Waiting Period in the Certificate of Insurance during which any Claim arising on the Policy is not admissible ... i) Aesthetic defects: Aesthetic defects, including but not limited to dents, scratches on painted, polished or enamelled surfaces, and broken plastic on ports and antennae, which do not impair the regular functioning or use of the Insured Asset. ... ii) Alteration /Modification of the Insured Asset: Loss or damage arising from incorrect installation and modification or alteration of any nature made in the Insured Asset. ... vi) Commercial Usage: Loss or damage where the Insured Asset is used for commercial, business, industrial, educational, rental or for-profit generation purposes unless declared in the proposal form at the time of buying this Policy and agreed by the Company. ... vii) Consequential/ Legal Losses: Consequential losses or damage of any kind and/or legal liability of any kind falling upon the Certificate Holder. ... viii) Consumable Items: Losses due to replacement of any consumable item of the Insured Asset, including but not limited to batteries (including rechargeable), bulbs(including projector bulbs), plugs, cables, ribbons, belts, tapes, fuses, filters, ink ,toner cartridges, drums, blades, replaceable fluids or any such materials which are designed to be consumed during the life of the Insured Asset. ... ix) Data loss: Loss damage directly or indirectly caused by, consisting of, or arising from: a) any corruption, destruction, distortion, erasure or other loss or damage to data, software, or and kind of programming or instruction set ... xv) Geographical limits: Any repairs performed outside India. ... xxx. Power Fluctuation: Any loss or damage resulting from power outage, power surges or dips, fluctuating voltage, inadequate or improper voltage or current. ... xxxiii. Repairs by Unauthorised Service Centre: Any Loss/ Cost incurred where repair work carried out during or after the expiry of Manufacturer Warranty Period by any persons/agency that are not authorised by the Company/Manufacturer. ... xxxvi. Theft/Burglary-Loss or Damage arising due to theft, robbery or Burglary. ... xl. Wear and Tear: Losses due to normal wear and tear, gradual deterioration, vibrations, oil seepage or any other gradually operating cause or any consequential loss there from. ... xli. Wilful Act/Negligence: Loss or damage caused by or arising out of the wilful acts or wilful gross negligence or fraudulent acts of the Certificate Holder and/or Certificate Holder’s family and/or Certificate Holder’s employees. ... i. Any item not covered under the original Manufacturing Warranty: Losses related to defects or faults that were not covered under the Manufacturer’s Warranty. ... ii. Product Recall: Losses due to Failure of Insured Asset or part thereof which are subject to recall by the Manufacturer.","sources":[{"clause":"Section 2(b)","heading":"For covers other than 3.1 Extended Warranty","page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-extended-warranty-and-asset-protection-policy-irdan103rp0003v01202021/document/9895#c-section-2-b"},{"clause":"Section 6(i)","heading":"Aesthetic defects","page":7,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-extended-warranty-and-asset-protection-policy-irdan103rp0003v01202021/document/9895#c-section-6-i"},{"clause":"Section 6(ii)","heading":"Alteration /Modification of the Insured Asset","page":7,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-extended-warranty-and-asset-protection-policy-irdan103rp0003v01202021/document/9895#c-section-6-ii"},{"clause":"Section 6(vi)","heading":"Commercial Usage","page":7,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-extended-warranty-and-asset-protection-policy-irdan103rp0003v01202021/document/9895#c-section-6-vi"},{"clause":"Section 6(vii)","heading":"Consequential/ Legal Losses","page":7,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-extended-warranty-and-asset-protection-policy-irdan103rp0003v01202021/document/9895#c-section-6-vii"},{"clause":"Section 6(viii)","heading":"Consumable Items","page":7,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-extended-warranty-and-asset-protection-policy-irdan103rp0003v01202021/document/9895#c-section-6-viii"},{"clause":"Section 6(ix)","heading":"Data loss","page":7,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-extended-warranty-and-asset-protection-policy-irdan103rp0003v01202021/document/9895#c-section-6-ix"},{"clause":"Section 6(xv)","heading":"Geographical limits","page":7,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-extended-warranty-and-asset-protection-policy-irdan103rp0003v01202021/document/9895#c-section-6-xv"},{"clause":"Section 6(c)","heading":"Biological attack or weapons","page":8,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-extended-warranty-and-asset-protection-policy-irdan103rp0003v01202021/document/9895#c-section-6-c"},{"clause":null,"heading":"Specific Exclusions related to 3.1 Extended Warranty Cover","page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-extended-warranty-and-asset-protection-policy-irdan103rp0003v01202021/document/9895#c-specific-exclusions-related-to-3-1-extended-warr"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"For a grievance, the Certificate Holder may first contact the Company through its website, e-mail, telephone, any branch office or the correspondence address. If not satisfied with the Company’s redressal, the Policyholder may approach the nearest Insurance Ombudsman.","display":"First contact the Company by website, e-mail, telephone, branch or post/courier; then Insurance Ombudsman if not satisfied","note":null,"quote":"If the Certificate Holder has a grievance that the Certificate Holder wishes the Company to redress, Certificate Holder may contact the Company with the details of his grievance through:\nWebsite | www.indusindinsurance.com ... e-mail | services@indusindinsurance.com ... Telephone | 022 4890 3009 (paid) ... Post/Courier | Any branch office, the correspondence address, during normal business hours ... If the Policyholder is not satisfied with the Company's redressal of the Policyholder's grievance through one of the above methods, the Policyholder may approach the nearest Insurance Ombudsman for resolution of the grievance.","sources":[{"clause":"7.5","heading":"Grievances","page":13,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-extended-warranty-and-asset-protection-policy-irdan103rp0003v01202021/document/9895#c-7-5"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["Breakdown of Insured Asset due to Manufacturing defects or due to poor workmanship of the service personnel of the Authorized Workshop","Accidental Damage to the Insured A sset during the Risk Period","Fluid Damage to an Insured Asset during the Risk Period","Pest Damage to an Insured Asset during the Risk Period","Screen Damage to an Insured Asset"],"display":"Extended warranty breakdown, accidental damage, fluid damage, pest damage and screen damage","note":"Base covers apply only if opted and subject to the Certificate of Insurance.","quote":"In the event of Breakdown of Insured Asset due to Manufacturing defects or due to poor workmanship of the service personnel of the Authorized Workshop, the Company will indemnify the Certificate Holder against the repair or replacement Costs in respect of sudden and unforeseen failure of Insured Asset caused by an electrical, mechanical or electronic Breakdown. ... In the event of Accidental Damage to the Insured A sset during the Risk Period, the Company shall indemnify the Certificate Holder against the repair or replacement Costs. ... In the event of Fluid Damage to an Insured Asset during the Risk Period, the Company shall indemnify the Certificate Holder against the repair or replacement Costs. ... In the event of Pest Damage to an Insured Asset during the Risk Period, the Company shall indemnify the Certificate Holder against the repair or replacement Costs. ... In the event of Screen Damage to an Insured Asset, such as cellular device, television set, tablet computer, laptop, or similar categories of equipment, due solely and directly to any external, involuntary and unforeseeable cause arising during the Risk Period, the Company shall reimburse the screen repair or replacement charges.","sources":[{"clause":"3.1(ii)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-extended-warranty-and-asset-protection-policy-irdan103rp0003v01202021/document/9895#c-3-1-ii"},{"clause":"3.2(I)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-extended-warranty-and-asset-protection-policy-irdan103rp0003v01202021/document/9895#c-3-2-i"},{"clause":"3.3(ii)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-extended-warranty-and-asset-protection-policy-irdan103rp0003v01202021/document/9895#c-3-3-ii"},{"clause":"3.4(I)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-extended-warranty-and-asset-protection-policy-irdan103rp0003v01202021/document/9895#c-3-4-i"},{"clause":"3.5(i)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-extended-warranty-and-asset-protection-policy-irdan103rp0003v01202021/document/9895#c-3-5-i"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"The deductible is borne by the insured for each and every claim, and the Company pays only in excess of the deductible. The actual deductible is shown on the Policy Schedule.","display":"Per claim deductible; amount shown on the Policy Schedule","note":"The wording does not print a fixed rupee deductible.","quote":"Deductible means the amount which shall be borne by the Insured in respect of each and every Claim made under this Policy. The Company’s liability to make any payment under the Policy is in excess of the Deductible. ... Limit of Liability Company’s liability for any one or many Claim shall in no case exceed the Sum Insured for the particular Insured Asset subject to Deductible shown on the Policy.","sources":[{"clause":"Section 2(xvi)","heading":"Deductible","page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-extended-warranty-and-asset-protection-policy-irdan103rp0003v01202021/document/9895#c-section-2-xvi"},{"clause":"7.2(b)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-extended-warranty-and-asset-protection-policy-irdan103rp0003v01202021/document/9895#c-7-2-b"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"After risk commencement, the Certificate Holder may terminate the Certificate of Insurance by written notice. If no claims have been made, premium is refunded by the stated methodology and annual short-period scale: up to 1 month 75.00%, 1 month to 3 months 50.00%, 3 months to 6 months 25.00%, and 6 months to 12 months 0.00%, subject to a minimum deduction of Rs. 200 per ongoing year of Risk-Period; before risk commencement, cancellation is permitted if no claim has been made subject to cancellation fees of Rs.200.","display":"If no claims, short-period refund: up to 1 month 75.00%, 1-3 months 50.00%, 3-6 months 25.00%, 6-12 months 0.00%; minimum deduction Rs. 200 per ongoing year; before risk start fee Rs.200","note":"The policy wording contains a multi-year refund methodology for 2-year and 3-year risk periods; the annual short-period scale applies to the ongoing year.","quote":"Certificate Holder may terminate the Certificate of Insurance after Risk commencement by giving a written notice, and the applicable Certificate of Insurance shall be terminated when such written notice is received. If no claims have been made under the applicable Certificate of Insurance, the Company will refund premium as per the scale mentioned below. ... Up to 1 month | 75.00%\nUp to 1 month | 75.00%\n1 month to 3 months | 50.00%\n1 month to 3 months | 50.00%\n3 months to 6 months | 25.00%\n3 months to 6 months | 25.00%\n6 months to 12 months | 0.00%\n6 months to 12 months | 0.00% ... All policy cancellations are subject to a minimum deduction of Rs. 200 per on-going year of Risk-Period. Cancellations are permitted prior to the commencement of the Risk Period if no claim have been made subject to cancellation fees of Rs.200.","sources":[{"clause":"7.2(b)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-extended-warranty-and-asset-protection-policy-irdan103rp0003v01202021/document/9895#c-7-2-b"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The policy applies to losses incurred or claims made in India, unless otherwise stated in the Certificate of Insurance.","display":"India, unless otherwise stated in the Certificate of Insurance","note":null,"quote":"Territorial Scope Where legally permissible by the law of this Policy and the jurisdiction in which the payment is to be made and subject to all the terms and conditions of this Policy, this Policy shall apply to any Loss incurred or Claims made in India, unless otherwise stated in the Certificate of Insurance.","sources":[{"clause":"7.2(b)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-extended-warranty-and-asset-protection-policy-irdan103rp0003v01202021/document/9895#c-7-2-b"}],"law":[]},{"key":"subject_covered","label":"What is insured","section":"Cover","meaning":"The thing or risk this policy covers.","status":"quote-verified","value":"The policy insures physical consumer durable items listed in the invoice and specifically appearing on the Policy Schedule, including items such as audio/video sets, televisions, refrigerators, furniture, washing machines, air-conditioners, kitchen appliances, computers, laptops, cameras and mobile phones.","display":"Consumer durable items listed in the invoice and appearing on the Policy Schedule","note":null,"quote":"Insured Asset means a physical product performing function or functions, as per Manufacturer’s specification, as listed in the invoice with proper identification number and is bought from an Authorized Dealer of the Manufacturer of the Insured Asset. For the purpose of this Policy, the Insured Asset shall be only consumer durable items including but not limited to audio/ video sets, television, refrigerator, furniture, washing machine, air-conditioner, microwave oven, dishwasher, air fryer and other electrical and electronic kitchen appliances, computers, laptops, cameras, mobile phones which is the subject matter of insurance under this Policy and appears specifically on the Policy Schedule.","sources":[{"clause":"Section 2(xx)","heading":"Insured Asset","page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-extended-warranty-and-asset-protection-policy-irdan103rp0003v01202021/document/9895#c-section-2-xx"}],"law":[]}],"documents":[{"kind":"wording","label":"IndusInd Extended Warranty And Asset Protection","pages":16,"fetched_at":"2026-10-17 19:53:34+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-extended-warranty-and-asset-protection","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-extended-warranty-and-asset-protection-policy-irdan103rp0003v01202021/document/9895"},{"kind":"wording","label":"Reliance Extended Warranty and Asset Protection Policy (IRDAI copy)","pages":15,"fetched_at":"2026-10-20 01:39:06+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN103RP0003V01202021_GEN4172.pdf/50150ccd-237d-f0a1-736c-3ee8e7677c3c?version=1.1&t=1668601481013&download=true","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-extended-warranty-and-asset-protection-policy-irdan103rp0003v01202021/document/26925"},{"kind":"prospectus","label":"IndusInd Extended Warranty and Asset Protection Insurance","pages":3,"fetched_at":"2026-10-17 19:48:54+00","source_url":"https://www.indusindinsurance.com/downloads/ew-prospectus","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-extended-warranty-and-asset-protection-policy-irdan103rp0003v01202021/document/9763"},{"kind":"cis","label":"IndusInd Extended Warranty And Asset Protection Policy","pages":6,"fetched_at":"2026-10-17 19:48:05+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-extended-warranty-and-asset-protection-policy","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-extended-warranty-and-asset-protection-policy-irdan103rp0003v01202021/document/9734"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"IndusInd General Insurance official website","url":"https://www.indusindinsurance.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Car insurance claim","url":"https://www.indusindinsurance.com/car-insurance-claim","note":null},{"purpose":"claim","kind":"insurer","name":"Health insurance claims","url":"https://www.indusindinsurance.com/health-insurance-claims","note":null},{"purpose":"claim","kind":"insurer","name":"Travel insurance claim","url":"https://www.indusindinsurance.com/travel-insurance-claim","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.indusindinsurance.com/about-us/grievance-redressal","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"renew","kind":"insurer","name":"Renew car insurance","url":"https://www.indusindinsurance.com/car-insurance/renew-car-insurance","note":null},{"purpose":"renew","kind":"insurer","name":"Renew health insurance","url":"https://www.indusindinsurance.com/health-insurance/health-insurance-renewal","note":null}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"IndusInd Extended Warranty And Asset Protection Policy (UIN IRDAN103RP0003V01202021), IndiaInsurances, https://indiainsurances.com/policy/indusind-general-insurance/indusind-extended-warranty-and-asset-protection-policy-irdan103rp0003v01202021"}