Does TV insurance cover accidental damage?

Posted on: Jan 7, 2025 | 3 mins | Written by: HDFC ERGO Team

Does TV insurance cover accidental damage?

TV has always been one of the prime used gadgets in Indian household. It is still the top entertainment gadget in any household. Today as the world is taken over by the internet still television hasn’t lost its charm as it has incorporated the internet within itself making it the most accessible and most used electronic gadget of all time. Since its usage is high the gadget is susceptible to more breakdown and damage. Therefore it is of utmost importance to cover television under tv insurance.

Understanding TV insurance cover

Unwanted events like theft, natural calamity, etc. damage our home and household belongings. With the arrival of numerous insurance products like Home insurance from HDFC Ergo or other leading insurance companies help to cover for the damages caused by unwanted events. One can opt for a home insurance if they hold a property or can opt for renters insurance in case they rent a property to safeguard their appliances and gadgets in order safeguard them against irreversible damages.

A home insurance policy offers numerous benefits like

1. Protection against natural calamities

2. Protection against man-made calamities

3. Protection and safety of the home and its belongings

4. Comprehensive coverage for all the belongings and contents of the home

5. Security to the occupants under both homeowners insurance and renters insurance

6. Affordable premium and flexible tenure

Thus, above are the benefits of opting for a home insurance policy. Additionally, the HDFC Ergo home insurance policy whether homeowner insurance or renters insurance both offer coverage for damages like cracked screens. TV insurance often covers accidental damage, making it a valuable addition to your coverage, especially for high-end or expensive televisions. Whether as an in-built feature or as an add-on one can opt for the protection of their valued possession i.e. television.

Depending on the provider and policy, TV insurance can protect against a variety of scenarios, such as:

1. Cracked Screens: From an accidental drop to a child's mishap with a toy.

2. Liquid Damage: Spills or splashes that cause short circuits.

3. Impact Damage: From falling objects or wall mount failures.

4. Electrical Surges: Protection from power fluctuations damaging internal components.

5. Replacement or Repairs

However, it's important to review the policy for specific details.

What’s Not Covered?

The TV insurance policy’s common exclusions include:

• Damage from misuse or improper installation

• Wear and tear over time

• Issues covered under the manufacturer’s warranty

Conclusion

To ensure comprehensive protection, confirm whether your house insurance policy already covers accidental damage, or not. It is always better to cover all that is in-house and expensive so that you remain stress-free.

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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