Can I Claim My TV Damages on Insurance?

Posted on: Nov 11, 2024 | 3 mins | Written by: HDFC ERGO Team

Can I Claim My TV Damages on Insurance?

Your home may be prone to a wide range of accidents, mostly unknown. So, isn't it better to be prepared from the very beginning? While many consider getting home insurance you may also want to protect the belongings and contents of your home. Therefore, an ideal choice would be to get TV insurance to protect your TV. You can either get the insurance differently or cover your TV within the insurance itself to fit your requirements.

Can You Claim TV on Insurance?

When you're applying for property insurance, one of the most asked questions is if the TV will be covered in it. Well, yes, your TV can also be claimed by the property insurance company. The Bharat Griha Raksha Policy allows you to add the contents under the policy for the peace of your mind.

You may also add more than one TV under the policy scheme. The best would be to include the expensive ones in your insurance and request coverage in case of accidental damage. Apart from TV, multiple appliances can be covered in the policy so as to safeguard yourself against major damages.

What Will the TV Insurance Not Cover?

Apart from the property insurance, you may want to apply only for TV insurance to protect your device. Usually, the repair and replacement costs are covered by the insurance. However, the insurance does not cover some aspects, such as the following:

1. Any damage caused to the TV is caused by wear and tear.

2. Deliberate damage caused to the TV because of any known activities.

3. Gross negligence in handling the TV.

4. Damage caused to the TV during aerial transit.

5. Existing damage to the TV, which was there before the insurance policy was purchased.

6. If any repair was done to the TV by yourself, the claim will be rejected.

7. The insurance will not cover aesthetic defects such as stains, scratches and material issues.

8. Damage to the TV due to any war or nuclear disasters.

9. Claims will not be processed for any non-disclosure of existing faults.

FAQs

1. Will home insurance cover my TV?

Generally, the home insurance covers the building. You may have to take an additional cover for the assets in your house to protect against theft, fire and flood damage.

2. Is it possible to claim accidental damage on TV?

Accidental damage can be claimed for the TV. However, if the damage has been caused due to aerial transit, it will not be covered under property damage.

3. Can I put TV in property insurance?

Yes, you may put your TV in your property insurance. This is one of the safest ways to protect the device against theft, breakdown or damage of the television.

Conclusion

When you get property insurance like the Bharat Griha Raksha Policy, you may want to include your TV in it, too. This plays an important role in protecting one of the many valuables of your house. Moreover, since your house is safeguarded against theft, breakdown and accidental damage, the insurance will cover all the important components of your house while also protecting the TV.

Disclaimer: The above information is for illustrative purposes only. For more details, please refer to the policy wordings and prospectus before concluding the sales.

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