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Insurance for Air Conditioner

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3.7 Crore+

Happy Customers

Covers home structure image

Covers Home Structure

Worth upto ₹10 crore

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Attractive Discounts

Up To 45%* Off

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Covers Home Belongings

Worth upto ₹50 lacs

AC Insurance Coverage for Your Home

Your home is undoubtedly a sanctuary, where you wish to feel safe and at peace, huge amount of money goes into putting building, furnishing and decorating a home. So, most people choose to safeguard such cherished homes with a home insurance policy. In order to make your home insurance more comprehensive,. In a country where the climate is hot and humid for the most part of the year, air conditioners are considered basic necessities. With every household featuring multiple ACs to make life more comfortable, the cost involved rises with each AC purchased.

Considering the high prices of these ACs and continual technological innovations that keep improving the features, but at a higher price, there is a definite need to protect these useful appliances from damages and threat of being stolen. You can insure your air conditioners under home insurance and live life tension-free

Benefits of AC Insurance

Every household nowadays has multiple air conditioners that have a lot of built-in features. And these are expensive to buy and maintain too. A comprehensive home insurance policy that covers air conditioner has the following benefits

Insurance against damage: covers any financial loss due to the accidental damage or electrical mechanical breakdown of the machine Insurance against loss due to burglary or theft.

Easy payment options: Multiple payment options, including net banking, mobile wallet, cards, etc., are available to make the experience trouble-free and easy for the customers

Affordable premium: For a nominal premium amount, depending upon the cost of the air conditioner, high coverage is provided to the insured.

Points to consider in Insurance for Air Conditioner

The premium of the insurance policy for your air conditioner depends upon multiple factors that influence the premium cost as well as the coverage that comes with it. Here is a look at the same:

Price range of the AC: Different premium are charged for different models of ACs, based on their price or the Sum Insured you opt for the same.

Duration of the plan: The premium amount will change as per the policy duration and coverage sought.

Know Your Coverage

See what is covered and what is not covered

🔥 Fire

Coverage to the structure and the contents of the house

🦹‍♂️ Burglary & Theft

Financial loss due to theft, burglary, robbery, house-breaking, anti-social activities like riots and strikes, etc.

☢️ Accidental damage

Damages caused due to any external accident or during the transit of the air conditioner are covered by the air conditioner insurance.

🔧Mechanical or electrical breakdown coverage

Breakdowns due to any mechanical or electrical problems. The cost of repair and replacement are reimbursed.

Why HDFC ERGO?

Secured 3.7+ Crore Smiles!@
Secured 3.7+ Crore Smiles!@
Secured 3.7+ Crore Smiles!@

Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.

Frequently asked questions

Applying for insurance is easy. Just fill up a simple application form on the website and get the policy document via email and regular mail to your address, after the premium payment

Paying the premium is very easy. You can pay it online through net banking, credit and debit cards, or wallets like Paytm, PhonePe, etc. You can also visit the branches for the same.

Filing claims and getting the insurance is an easy task. Just contact us within 24 hours of the unforeseen event to apply for the claim, and keep the policy number ready: o You can call us on 022-62346234 You will be informed about the status of your claim through SMS and emails at every stage of the claim .

Documents needed to file a claim include
Aadhaar Card
Passport
Driving Licence
Voter ID
Copy of the purchase bill

Yes, an excess of Rs. 5000 for each an every claim is applicable under this policy

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