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Refrigerator Insurance

You cannot imagine a modern household without a refrigerator. With advanced technology, refrigerators are also getting smart and equipped with advanced features. The more advanced a refrigerator, the costlier it would be. Hence, it becomes necessary to protect it with a refrigerator insurance plan.

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Since you put so much thought into purchasing the best home appliance, you would also use it with care. But there are times when an unforeseen incident takes place and destroys your things and if you are not covered under an insurance plan, the financial burden comes directly on you.

What Is Refrigerator Insurance?

Refrigerator insurance is a legal agreement stating that whenever an unforeseen incident such as theft, fire accident, burglary or natural calamity occurs, the insurance company will provide financial aid for the loss or damage suffered by you (policyholder). However, if you are not covered with a refrigerator insurance plan, then you can purchase the add-on of refrigerator insurance online by paying an extra amount with your premium.

Benefits of Refrigerator Insurance

Here are some of the benefits of purchasing the refrigerator insurance plan:

  • Affordable Premium & Better Coverage: The insurance plan comes at an affordable rate and provides better coverage to your home and the electrical appliances.
  • Financial Aid: This add-on provides financial aid to you in case of loss or damages caused to your refrigerator.
  • Quick Damage Recovery: There are times when you do not have enough amount to recover the damage and if you have this insurance plan then you can quickly recover the damage without worrying about the expense.
  • Sense of Security: The insurance plan not only provides financial cover to you in case of loss or damage but also gives you a sense of security that you would not have to pay for any unforeseen loss or damage out of pocket.

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What Is Covered Under Refrigerator Insurance?

The refrigerator insurance provides cover for the following:

  • Fire: Loss or damage caused to the refrigerator due to a fire accident is covered.
  • Theft/Burglary: The insurer will provide cover for the theft and burglary of your refrigerator.
  • Accidental Damage: The insurer will provide cover for the accidental damage caused to the refrigerator.
  • Electrical & Mechanical Breakdown: The insurer will provide cover for any mechanical or electrical breakdown causing damage to the refrigerator. The insurer will provide cover for the repair as well as replacement of the refrigerator.

What Is Not Covered Under Refrigerator Insurance?

The insurer will not provide cover for the following:

  • Wear & Tear: The insurer will not provide cover for the wear and tear of the refrigerator.
  • Manufacturing Defect: in case there is a manufacturing defect in your refrigerator, the insurer will not be liable and will not provide cover for it.
  • Aesthetic defect: The insurer will not provide cover for any kind of scratch, stain as well as any issue related to the material of the refrigerator.
  • Willful Destruction: The insurer will not provide cover for the willful destruction of the refrigerator under any circumstances.
  • Non-Disclosure of Fault: If the insured does not provide any important information to the insurer and hides something that should be disclosed while raising a claim then the insurer will not provide cover for it.

How To Raise A Claim Under Refrigerator Insurance?

Follow the steps mentioned below to raise a claim under refrigerator insurance.

  • Inform The Insurer: inform the insurance company as soon as possible.
  • Take Pictures of The Damage:As proof, you can click pictures of the damage caused to the refrigerator. It would help you while raising the claim online.
  • Keep Documents Ready:Keep the documents ready as you would be required to submit a set of documents along with the claim form.
  • Help Insurer During Inspection:Once the claim is raised, the insurer will send an inspector to do an inspection and you can assist them during the inspection and answer their questions.
  • Compensation: Once the inspector is satisfied, he will inform the insurer and they will initiate the compensation from their end as per your sum insured amount.

How To Renew Refrigerator Insurance?

When you purchase a refrigerator insurance add-on with your home insurance, it comes with validity. So you are required to renew it before the expiry date to get continuous coverage. Here are the steps that you can follow to renew your insurance plan:

  • Step 1: Visit the official website of the insurer
  • Step 2: Enter your details such as policy number, name, policy name, etc.
  • Step 3: Now click on the option of “Renew policy”
  • Step 4: Review your plan and proceed
  • Step 5: Add or remove any particular add-on as per your requirement
  • Step 6: Now it will show you the final premium amount
  • Step 7: Pay the premium amount using credit/debit, net banking, UPI, etc. as per your convenience
  • Step 8: The insurer will send you a confirmation message on your registered mobile number as well as a confirmation email.

Make sure that you renew your insurance plan before the expiration date to get continuous coverage.

Why Buy From Policybazaar?

Purchasing refrigerator insurance from policybazaar can make your task easier than ever. You can purchase this insurance plan on your mobile phone. You just have to download the mobile app and put in your details and then search for the right insurance plan by comparing different insurance plans provided by different insurers. You can also calculate the premium amount using the online premium calculator tool.


Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
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  • Disclaimers+

    #Savings of 28% are based on the comparison between the highest and lowest premiums for a pucca building with sum insured of ₹ 1 crore at Delhi, for property age less than 5 years and policy term of 11 years.