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    General Insurance

    Extended Warranty Insurance for Home Appliances

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    Extended Warranty Insurance

    Your gadgets, our protection

    Coverage Highlights

    What’s in it for you?
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    • Cashless service in 400+ cities across India

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    • Coverage for up to 3 years

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    • Repair as well as replacement coverage

    Inclusions

    What’s covered?
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    • Comprehensive coverage against manufacturing defects, for up to 3 years from the time you bring home

    There are certain things that are non-negotiable such as using quality accessories from the same brand and using approved electrical outlets and fittings that are compatible with the appliance in question; however unforeseen mishaps such as repeated power outages or voltage fluctuations can impact the performance of your device over a period of time and we offer cover from the same.

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    • Genuine Spare parts & Quality Servicing

    Our extensive service network spread across the country complies with Bureau of Indian Standards (BIS) regulations when it comes to using genuine, high quality replacement parts. If unforeseen material or poor workmanship related defects are detected, we get the device replaced free of charge within the terms of the policy.

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    • Wide coverage at value for money costs

    When you compare the cost to the benefits you get, you can see why online Bajaj General Extended Warranty is a clear winner. As compared to the Annual Maintenance Contract provided by manufacturers or dealers, we provide your appliances with much wider coverage and that too at a far lesser cost.

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    • Flexibility of purchase

    Didn’t buy Extended Warranty at the time of purchase? It’s not too late. We offer you the flexibility of purchasing your cover within 180 days of the date of invoice.

    Exclusions

    What’s not covered?
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    • Unreasonable Usage

    For Extended Warranty Insurance coverage to apply, you need to follow the instructions in the user manual. Approved accessories, compatible electrical fittings, adequate ventilation and supporting stands need to be used to enable safe and reliable operation of the gadget. In the absence of reasonable precautions, we’re sorry but we may not be able to honour your claims.

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    • Overlapping Coverage

    Certain components of your appliance may enjoy extended manufacturer warranty as compared to others. For instance, the compressor of your refrigerator normally carries a greater warranty period. Such parts that are under extended manufacturer warranty are not covered by us.

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    • External Events

    We only cover technical defects. If your kitchen appliance or consumer durable has been damaged due to theft, explosion, fire, water seepage, acts of god etc, we can only offer our best wishes.

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    • Overuse

    If excessive usage of the goods causes it to malfunction, Extended Warranty does not apply. Examples include electrical short circuit, overload etc that result in accelerated wear and tear.

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    • Change of Ownership

    If the insured product is sold to another party or used for commercial purposes, under the terms of Extended Warranty, coverage will not be applicable.

    What is Extended Warranty Insurance?

    Extended warranty insurance protects your finances from repair costs that arise once the manufacturer's warranty on your home appliances ends. As appliance and spare part prices rise across India, repair costs increase too. As a result, keeping an ageing refrigerator or washing machine running is becoming expensive.

     

    With the right extended warranty for home appliances, you get repairs through authorised workshops and access to genuine spare parts. Along with it, it reduces the strain on your savings and brings you peace of mind. Whether you want to cover a single laptop or every major appliance at home, coverage is available on a wide range of products.

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    Quick Overview

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      Coverage Options: Extended warranty insurance covers the repair or replacement cost of an insured appliance when it breaks down due to a manufacturing defect.

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      Ideal Time to Buy: You may buy this cover on the date you purchase the appliance or any time before its manufacturer's warranty expires within 6 Months of asset purchase.

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      Sum Insured: The sum insured is equal to the invoice value of your appliance. Repairs are unlimited during the policy period, subject to this amount and the policy terms.

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      Exclusions: Physical or liquid damage, fire, theft, wear and tear, consumables and commercial use of the appliance are generally not covered under appliance warranty insurance.

    Read More

    Why Should You Choose Extended Warranty Insurance?

    Choosing extended warranty insurance is important to deal with rising repair costs, expensive spare parts and limited manufacturer warranty. Here are some detailed reasons why it is necessary:

    • Rising Repair Costs

      Components wear down as an appliance ages. Replacing a compressor or panel in the fourth year may cost a large share of its price.

    • Limited Manufacturer Warranty

      Most brands cover an appliance for one or two years. With Bajaj General Insurance, you may extend that protection by up to 3 years.

    • Expensive Spare Parts

      Appliances today run on circuit boards and inverter modules. A single part may cost you more than a year's premium on a home appliance protection plan.

    • Coverage Across Multiple Brands

      Your home may have appliances of four or five different brands. Home appliance warranty insurance covers them under a single insurer.

    • Access to Authorised Workshops

      Finding a reliable technician for a costly appliance is difficult. Insurers route repairs through authorised workshops that use genuine spare parts.

    • Predictable Household Expenses

      You pay a premium upfront instead of sudden repair bills. This helps you plan household expenses over the years.

    • Frequent Voltage Fluctuations

      Power cuts and voltage swings are common in India and strain electronic circuits over time. Such performance issues may be covered, as per policy terms.

    • Better Value Than an AMC

      Manufacturers and dealers offer Annual Maintenance Contracts for appliances. Compared to them, this cover is generally wider in scope and costs less.

    What are the Benefits of Extended Warranty Insurance?

    Aside from understanding why you need an extended warranty for home appliances, you must also know the benefits you get with it. Noting them helps you understand what kind of protection you are buying for your appliances, and that helps you choose a plan informedly:

    Documents Required to Buy Extended Warranty Insurance

    Buying extended warranty insurance requires very little paperwork. Keep the following ready:
    Product or sale invoice: This is the mandatory document. It establishes the purchase date, model and price of the appliance.
    Manufacturer's warranty card: It confirms the warranty period still running on your appliance.
    Product serial or model number: This is generally printed on the appliance and the invoice.
    Identity and address proof: A government-issued identity proof and your current address.
    Completed proposal form: This carries your contact details and the appliance details.
    However, requirements may vary between appliance categories, as per policy terms.

    Eligibility Criteria for Extended Warranty Insurance

    Here is a breakdown of the general eligibility criteria:

    Eligibility Criteria Specifications

    Eligible Appliances

    Electronic and electrical appliances, kitchen appliances, furniture and fixtures, and portable equipment like cameras, laptops, mobile phones, etc.

    Warranty Status

    Your appliance must be covered by a valid manufacturer's warranty on the date the policy is issued. Cover is not granted after that warranty ends.

    Timing of Purchase

    On the invoice date of the appliance, or any time before the manufacturer's warranty ends. Buying within 180 days of the invoice date avoids a premium loading, and a loading may apply after that, as per policy terms.

    Sum Insured

    Equal to the invoice value of the appliance, as recorded on the sale invoice. All claims are settled against this amount.

    Who Can Buy

    Individual owners of eligible appliances. Manufacturers who wish to offer extended appliance warranty cover to their own customers may also purchase it.

    Step-by-Step Guide

    How to Buy Extended Warranty Insurance?

    How to Buy

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      Visit Bajaj General website

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      Enter personal details

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      Compare plans.

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      Select suitable coverage

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      Check discounts & offers

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      Add optional benefits

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      Proceed to secure payment

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      Receive instant policy confirmation

    How to Renew

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      Login to the app

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      Enter existing policy details.

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      Review and update coverage if required

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      Check for renewal offers

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      Add or remove riders

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      Confirm details and proceed

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      Make online payments.

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      Get your policy renewed instantly.

    How to Claim

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      Inform the insurer about the claim.

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      Submit the required documents.

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      Choose cashless or reimbursement.

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      Get cashless pre-approval.

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      Avail treatment at a network hospital.

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      Submit bills for reimbursement.

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      Claim verified by the insurer.

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      Receive claim settlement.

    Know More

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      For any further queries, please reach out to us

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      Toll Free : For Sales :1800-209-0144

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      Email ID: careforyou@bajajgeneral.com

    Frequently Asked Questions on Extended Warranty Insurance

    Who Can Buy Extended Warranty?

    People who have various electronic, electrical appliances, kitchen appliances, furniture and fixtures, and portable equipment like cameras, laptops, mobile phones, etc., can buy an extended warranty for the respective products if they wish to insure them against loss or damage caused by manufacturing defects after the manufacturer's warranty expires.

    When Can You Buy Extended Warranty?

    You can buy an extended warranty either on the same date of purchase of the asset or any time before the expiry of its manufacturer's warranty. However, the premium of the extended warranty may increase depending on how much you delay buying the extended warranty during this eligible time period.

    Why Should You Choose Bajaj General Extended Warranty?

    With Bajaj General Extended Warranty, you get comprehensive coverage for repair/replacement, genuine spare parts, coverage for multiple brands, doorstep service for large appliances, and unlimited repairs during the extended warranty period (subject to the sum assured chosen), among other benefits.

    What are the major exclusions of extended warranty?

    Some of the common exclusions of extended warranty include physical/liquid damage; damage due to fire or any external sources; damage caused by commercial/rental usage of the asset to generate profit; overloading, strain, and short circuit due to excessive usage; wear and tear; damage due to abnormal electrical/gas/water supply.

    How much is the premium for extended warranty?

    The price of extended warranty depends on the product/asset and other factors. You can get an estimate of the extended warranty premium by connecting with us or visiting the Bajaj General website. Based on the information you share, you’ll get the details of the premium amount.

    What is a sum insured for extended warranty?

    The sum insured for extended warranty is the maximum amount of coverage available for the insured product/asset. Usually, it is equal to the original purchase price of the asset.

    What does Bajaj General Extended Warranty cover?

    Our extended warranty covers the repair or replacement cost of your insured product/asset due to a breakdown arising out of manufacturing defects and/or poor workmanship of the service personnel of the authorised workshops during the policy period. A breakdown here means that the insured product/asset is not performing as it should.

    What Documents Will Be Required At The Time Of Opting For This Product?

    You’ll need the Product/Sale Invoice when you buy the extended warranty insurance.

    What Would Be Claim Process?

    For any assistance on extended warranty claims, please call 1800-209-1021 or mail us on ew.cda@bajajgeneral.com You can also use the below links to register your claim online or check the status of your claim

    What Would Be the Claim Process?

    Inform your insurer as soon as the appliance stops working. For extended warranty claims, you may call us on 1800-209-1021 or write an email. You can also register your claim online on this page and check its status later. The repair is then arranged through an authorised workshop and settled directly.

    Can I Claim More Than Once During the Policy Period?

    Yes, you may claim more than once during the policy period. Repairs are unlimited as long as the total amount settled stays within your sum insured. If the same appliance develops a fault again, it can be attended to once more. Cover for that appliance ends once the sum insured is exhausted.

    Can Extended Warranty Cover Be Renewed After it Expires?

    Extended warranty insurance is issued for a fixed period linked to the appliance and its original manufacturer's warranty. Therefore, it does not renew the way a motor or health policy does. Once your cover period ends, that appliance is no longer eligible for fresh cover, as its manufacturer's warranty expired long back.

    What Happens to My Cover if I Sell the Appliance?

    Your cover does not pass on to the new owner. If the insured product is sold to another party, or if it begins to be used for commercial purposes, the policy no longer applies. Hence, you must inform us of any change in ownership or usage to keep your policy records accurate.

    Download Policy Documents

    Get instant access to your policy details with a single click.

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    What Customer Say About Bajaj General Extended Warranty Insurance

    Good Work

    I had a word with Bajaj General executive and he explained me everything about the Home insurance which is appreciated

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    PRAKHAR GUPTA

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    4.5

    4th Apr 2019

    Customer service agent was courteous

    Bajaj General your customer service agent was courteous, guided me throughout the transaction and quick in responding

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    ANISA BANSAL

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    4.7

    3rd Apr 2019

    Good experience

    It was good experience with sales manager while purchasing the product.

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    MAHESH

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    4.3

    11th Mar 2019