Protect Your Air Conditioner with India's Best Air Conditioner Insurance Plan

Protecting Your Air Conditioner with Comprehensive Coverage

In India’s scorching summers, air conditioners aren’t just a luxury—they’re a lifeline. From battling heatwaves to ensuring comfort during humid monsoons, your AC works tirelessly year-round. However, frequent power surges, dust accumulation, and mechanical wear-and-tear can lead to costly repairs or breakdowns. With ORA Policy’s Air Conditioner Insurance Plan, safeguard your cooling companion against unexpected expenses and enjoy uninterrupted comfort.

Why Choose ORA Policy for Your AC Insurance?

With 1.5 million satisfied customers and a 4.9-star rating on Google, ORA Policy is India’s most trusted name in appliance protection. We specialize in affordable, hassle-free insurance plans tailored for modern households. Whether you own a split AC, window unit, or inverter model, our policies adapt to your needs.

Key Features:

  • Compressor Failure: Protection against costly compressor replacements.
  • Cooling System Issues: Covers refrigerant leaks, evaporator coil damage, and condenser faults.
  • Electrical Breakdowns: Repairs for PCB malfunctions, wiring faults, and capacitor burnout.
  • Physical Damage: Cracks, dents, or damage during installation/relocation.
  • Power Surge Protection: Shields against voltage spikes and short circuits.
  • Cashless Repairs: 500+ authorized service centers across India.
  • Genuine Spare Parts: Only OEM-approved components used.
  • Zero-Paperwork Claims: Instant claim filing via the email or whatsapp.
Plan Duration Premium (₹)
1 Year 799
2 Years 1,499
3 Years 2,199

Why Insure Your Air Conditioner?

Air conditioners contain delicate components such as compressors, electronic control boards, and cooling coils. Any malfunction or accidental damage can lead to expensive repairs or even replacement. Without insurance, you bear the full repair cost, which can disrupt your budget and comfort.
With ORA Policy’s Air Conditioner Insurance, you safeguard your appliance against unforeseen expenses and ensure it runs efficiently, no matter how hot it gets outside.

Brands & Models Covered

We insure a wide range of popular AC brands and models, including:

Protect your New and Reburbished Air Conditioner with India's Best Air Conditioner Insurance Company

Total Damage, Theft and Extended Warranty Plan

Frequently Asked Questions

What does the ORA Policy cover for Air Conditioners?

ORA Policy’s comprehensive Air Conditioner insurance plan ensures full protection against unexpected issues, including:

  • Compressor Failure: Protection against costly compressor replacements.

  • Cooling System Issues: Covers refrigerant leaks, evaporator coil damage, and condenser faults.

  • Electrical Breakdowns: Repairs for PCB malfunctions, wiring faults, and capacitor burnout.

  • Physical Damage: Cracks, dents, or damage during installation/relocation.

  • Power Surge Protection: Shields against voltage spikes and short circuits.

  • Cashless Repairs: 500+ authorized service centers across India.

  • Genuine Spare Parts: Only OEM-approved components used.

  • Zero-Paperwork Claims: Instant claim filing via the email or whatsapp.

Is my air conditioner eligible?

Absolutely yes, provided:

  • Air conditioner 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 Air Conditioner 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 air conditioner 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.

Is doorstep repair included in the insurance plan?

  • Yes, ORA Policy provides doorstep repair services by expert technicians for easy and hassle-free maintenance.

Do you provide insurance for refurbished air conditioners?

  • Yes, Ora Policy provides insurance for refurbished air conditioners, as long as they meet our eligibility criteria.

Can I transfer the insurance if I sell or gift my air conditioner?

  • 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 air conditioner is damaged again. Can I file another claim?

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

Does Ora air conditioner insurance cover pre-existing damage?

  • No, The insurance is designed to protect your AC from future unexpected issues such as accidental damage, electrical faults, or mechanical breakdowns. Any damage or malfunction that existed before the policy start date will not be eligible for claims. To ensure full coverage, it's important to purchase the insurance while your air conditioner is in proper working condition.

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.

What is an air conditioner insurance plan?

  • An air conditioner insurance plan is a protection policy that covers your AC against unexpected damages, breakdowns, and repair costs. It includes coverage for accidental damage, electrical or mechanical failures, and power surges. With this plan, you get cashless repairs at authorized service centers, genuine spare parts, and a hassle-free claims process—ensuring your AC stays in top condition without straining your wallet.

Do I need to submit any documents for accidental damage claims?

  • No paperwork needed! File accidental damage claims via WhatsApp, email, or our online claim form. A dedicated claim manager is assigned immediately after registration to guide you through the hassle-free process.

Can I insure a air conditioner that I bought on EMI?

  • Yes, air conditioner purchased on EMI (Equated Monthly Installment) is fully eligible for insurance under Ora Policy.

Does ORA Policy provide doorstep pickup and delivery for repairs?

  • Yes, ORA Policy provides doorstep pickup and delivery for repairs nationwide. This service is included in their comprehensive coverage, ensuring convenience without requiring you to visit a service center.

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 air conditioner?

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

  • View Plans, Select the tenure from here
  • Share your air conditioner bill and a photo of air conditioner 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