AC Insurance

Your home is the only place that makes you feel at peace. It is the most secured place on earth for you. Since you make a lot of investment in building it and making it comfortable for your family to live, it must be protected with a home insurance plan. However, just a nice structure of your home cannot make you feel comfortable as you have to install ACs to make it livable during the summers and with every AC installed the premium of AC insurance increases.

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Protect your house from calamities & valuable contents from thefts starting @ ₹125/month*

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Protect your house from calamities & valuable contents from thefts starting @ ₹125/month*

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Air conditioners are costly and the continuous innovation to improvise the technology and features increases the cost price of the air conditions. Hence it must be protected from any kind of unforeseen damage or loss. You can do it with an AC insurance coverage.

Benefits of AC Insurance Plan

When it comes to purchasing a home appliance such as AC, you choose the best one that fits your budget also. Because of the global warming and the heat waves that flow in the summer, you cannot live without an AC and there are times when it requires servicing as well. Just in case you forget to get it serviced on time, it can lead to mechanical as well as electrical damage. This is why it requires shield of home ac Insurance and it comes with several benefits:

  • The air conditioner insurance plan provides cover for any kind of financial loss caused due to accidental, electrical as well as mechanical breakdown.
  • It depends on the cost of your AC, the coverage is provided to the policyholder at affordable premium rates.
  • There are easy payment options available such as net banking, UPI payment, mobile wallet, Car payment, etc. that makes your experience of purchasing the insurance hassle-free.

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Factors to Consider In Premium Amount of AC Insurance

The premium amount of your insurance plan is based on several factors. They are as follows:

  • The premium amount of your insurance plan will be based on the model of your insurance policy, you can opt for the same based on the sum insured amount.
  • The premium amount of your insurance plan will vary as per the duration of your insurance plan.

AC Insurance: Inclusions

You get coverage for the following in your AC insurance.

  • Fire: If the damage caused to your air conditioner due to fire accident, the insurer will provide you cover for it.
  • Burglary & Theft:If during a burglary or theft, your AC gets stolen, the insurer will provide cover for it.
  • Accidental damage:If there was an external accident that caused damage to the AC like during transportation of the AC from one place to another, the insurer will provide you cover for it.
  • Electrical & Mechanical breakdown:In case there was an electrical or mechanical breakdown that caused damage to the AC, the insurer will provide cover for it.

AC Insurance: Exclusions

The AC insurance does not provide cover for the following:

  • Wear & Tear: Any kind of wear and tear caused to the AC will not be covered under the insurance plan.
  • War & Nuclear perils:If the AC gets damaged during a war or war like situation as well as in the nuclear disaster, the insurer will not provide cover for it.
  • Manufacturing defect:In case there is a manufacturing defect in your AC then it will be considered manufacturers fault and it will not be cover but the insured will have to file a claim against the manufacturer.
  • More than 1-Year Old AC:If you have purchased your AC more than 1 year ago then it will not be covered under the AC insurance plan.
  • Willfully Destroyed: If you destroy your AC willfully then the insurer will not provide cover for the damage caused.

FAQs about AC Insurance