Protect Your Homeappliances with India's Best Homeappliances Insurance Plan

Protecting Your Homeappliances with Comprehensive Coverage

Home Appliances are the unsung heroes of modern living, But what happens when a voltage spike fries your washing machine’s motor, a leaking pipe damages your microwave, or your prized smart TV falls victim to a power surge, Repairing or replacing these essentials can cost thousands, disrupting your budget and daily routine. While warranties cover manufacturing flaws, they don’t protect against real-life mishaps. ORA Policy, India’s most trusted insurance provider, solves this with comprehensive home appliance insurance plans.

Why Choose ORA Policy Home Appliances Insurance?

Your home appliances—refrigerators, washing machines, air conditioners—are the silent workhorses of daily life, keeping your household running smoothly. But when they break down unexpectedly, the cost of repairs or replacements can throw your budget into chaos. Standard warranties often expire too soon or exclude common issues, leaving you vulnerable. That’s where ORA Policy Home Appliances Insurance steps in, offering a smarter safety net tailored to real-life needs.

ORA stands out by covering what others don’t: electrical surges, mechanical failures, and even accidental damage—because let’s face it, a spilled detergent pod or a power fluctuation shouldn’t mean a costly new appliance. Their claims process is refreshingly simple, with fast approvals and trusted repair networks to minimize downtime. Whether it’s a fridge full of spoiled groceries or a broken AC in peak summer, ORA ensures you’re back to normal quickly.

With flexible plans that fit your budget and coverage for both old and new appliances, ORA Policy removes the stress of "what if." Protect your home’s essentials today and enjoy peace of mind, knowing ORA has your back when life gets messy.

Key Features:

  • Electrical Surges: Frequent voltage fluctuations in India can fry circuits.
  • Water Damage: Leaks affecting dishwashers, washing machines, or geysers.
  • Accidental Breakdowns: Motor failures, compressor issues, or broken fans.
  • Theft or Burglary: Loss of high-value gadgets like smart TVs or microwaves.
  • Natural Disasters: Floods, fires, or earthquakes damaging appliances.

Without insurance, you’re left bearing 100% of repair or replacement costs. ORA Policy’s Homeappliance insurance acts as a financial safety net, covering these unforeseen expenses.

Plan Duration Premium (₹)
1 Year 799
2 Years 1,499
3 Years 2,199

Home Appliances Brands & Models Covered Under ORA Policy:

When it comes to safeguarding your home appliances, ORA Policy offers extensive coverage for all major brands and models available in India. Whether you own a premium Samsung refrigerator or a budget-friendly Bajaj mixer, here’s a detailed breakdown of the appliances eligible for protection:

ORA Policy provides insurance for all major Homeappliances, including:

Protect your New and Reburbished Home Appliances with India's Best Home Appliances Insurance Company

Total Damage, Theft and Extended Warranty Plan

Frequently Asked Questions

What does the Ora Policy cover?

In a comprehansive insurance plan for Home Appliances ORA Policy cover:

  • Electrical Failures: Motor burnouts, compressor issues, or capacitor failures.

  • Mechanical: Capacitor failures.

  • Theft & Vandalism: Requires FIR and purchase proof.

  • Power Surges: Voltage spikes during storms or grid fluctuations.

  • Natural Disasters: Floods, earthquakes, or fire-related damage.

  • Accidental Damage: Drops, spills, or impacts (e.g., a falling object damaging your AC).

Is my Homeappliances eligible?

Absolutely yes, provided:

  • Homeappliances must be fully functional at enrollment.

  • Purchased within the last 2 years.

  • Not on a "blacklisted" status.

What are the costs of premium?

Absolutely yes, provided:

  • Anual premium: 10–10–20 (varies by device value).

  • 100% Cashless, No Deductible: 50–50–on claim.

  • Discounts for bundling multiple devices Corporate Plans.

How long does coverage last?

Absolutely yes, provided:

  • 1 Year Plan, 2 Year Plan and 3 Year Homeappliances Insurance Plan is available with ORA Policy

  • No claim bonus of 50% cashback is applicable in 3 year plan and 25% cashback is applicable in 2 year Homeappliances insurance plan from ora policy.

Are there coverage limits?

Yes:

  • Max 6 claims per year.

  • No cap limit on amount of claim.

  • Repairs and replacements are done only from authorised service centers to maintain the quality and warranty of repaired parts.

Do you provide insurance for refurbished homeappliances?

Yes:

  • Ora Policy provides insurance for refurbished homeappliances, as long as the device meets our eligibility criteria.

Can I transfer the insurance if I sell or gift my homeappliances?

Yes:

  • You can transfer the insurance to the new owner.

How long does claim processing take?

  • Most claims are processed within 24-48 hours. In urgent cases, we offer expedited processing with resolution in under 12 hours.

My home appliance is damaged again. Can I file another claim?

  • Absolutely! We understand that accidents happen. That’s why our comprehensive Home Appliances Insurance plan allows you to file up to six claims per year—with no cap on the claim amount or the sum assured.

What is a Home Appliances Insurance Plan?

  • A home appliances insurance plan is a protection policy that covers repair or replacement costs for your essential household devices—like refrigerators, washing machines, ACs, and microwaves—against breakdowns, electrical faults, accidental damage, and sometimes even power surges. With rising repair expenses and the high cost of modern appliances, this insurance provides affordable coverage to avoid unexpected out-of-pocket expenses. Whether you own basic or smart appliances, a good plan ensures quick service, hassle-free claims, and extended warranty benefits.

Does Ora home appliances insurance plan cover pre-existing damage?

  • The Ora insurance plan for home appliances is designed to protect your devices—such as refrigerators, washing machines, microwaves, and more—from accidental damage, electrical failures, and mechanical breakdowns that occur after the policy starts. However, it does not cover any damage or faults that existed prior to purchasing the plan. Pre-existing issues are not eligible for claims under this coverage.

Can I renew my Ora insurance policy?

  • No, you cannot renew your Ora insurance policy. Ora plans are non-renewable and are valid for a fixed term of 1, 2, or 3 years. Once the plan expires, you will need to purchase a new policy to continue coverage.

ORA Policy FAQ

Instant answers to common order, return, policy, and claim issues

How to buy ORA Insurance Policy

How do I buy ORA Policy Protection Plan for my Homeappliances?

Buying ORA Policy insurance plan is very easy and super quick:

  • View Plans, Select the tenure from here
  • Share your Homeappliances bill and a photo of Homeappliances product via whatsapp or email.
  • Get approved instantly and you get activation email and policy document via email.

Claims

How do I file a claim?

Steps to File a Claim:
  1. Call or customer support or email at support@orapolicy.com
  2. Choose option for ORA doorstep service or self repair/replacement
  3. Sumbit bank details/upi in case of self repair
  4. Get Super Quick Claim From ORA Policy

Still Need Help?

Contact our support team:

📞 08076674448
✉️ support@orapolicy.com