Protect Your Refrigerator with India's Best Refrigerator Insurance Plan

Protecting Your Refrigerator with Comprehensive Coverage

A refrigerator is one of the most essential appliances in every Indian household. From preserving groceries to keeping your drinks cold, it runs around the clock to support your everyday life. But like any major home appliance, your fridge is vulnerable to breakdowns, power surges, and accidental damage—often when you least expect it.
That’s where ORA Policy steps in with India’s most reliable and affordable Refrigerator Insurance Plan, giving you round-the-year peace of mind and financial protection.

Why Choose ORA Policy for Refrigerator Insurance?

With a proven track record of protecting over 1.5 million appliances and earning a 4.9-star Google rating, ORA Policy is trusted by households across India. Our Refrigerator Insurance offers complete protection against sudden malfunctions and repair expenses, whether you own a single-door fridge or a large smart double-door model.

Key Features:
  • Covers Accidental Damage: Includes mishaps like dents, cracks, or damage during shifting.
  • Electrical & Mechanical Breakdown: Protects against issues like compressor failure, gas leakage, thermostat malfunctions, and PCB board faults.
  • Power Surge Coverage: Prevents damage from voltage fluctuations and short circuits.
  • Cashless Repairs: Enjoy worry-free servicing at authorized service centers with no hidden charges.
  • Original Spare Parts & Skilled Technicians: Only brand-approved components are used for long-lasting repairs.
  • 100% Paperless Claims Process: File claims online through our website, Email or whatsapp —no documentation required.

ORA Policy brings together affordability, simplicity, and speed to offer India’s most convenient way to insure your Refrigerator.

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

Why Refrigerator Insurance is a Smart Move?

Refrigerators are high-utility machines that operate 24/7, making them prone to wear and tear. A sudden compressor issue or gas leak can not only ruin stored food but also result in high repair bills. ORA Policy’s insurance shields you from such unforeseen expenses and helps you maintain a smooth-running household.

Brands and Models Covered

ORA Policy covers a wide range of refrigerator brands and types, including:

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

Total Damage, Theft and Extended Warranty Plan

Refrigerator Insurance

Rs.999/- Onwards

Frequently Asked Questions

What does the Ora Policy cover?

In a comprehansive insurance plan for Refrigerator ORA Policy cover:

  • Covers Accidental Damage: Includes mishaps like dents, cracks, or damage during shifting.

  • Electrical & Mechanical Breakdown: Protects against issues like compressor failure, gas leakage, thermostat malfunctions, and PCB board faults.

  • Power Surge Coverage: Prevents damage from voltage fluctuations and short circuits.

  • Cashless Repairs: Enjoy worry-free servicing at authorized service centers with no hidden charges.

  • Original Spare Parts & Skilled Technicians: Only brand-approved components are used for long-lasting repairs.

  • 100% Paperless Claims Process: File claims online through our website or app—no documentation required.

Is my refrigerator eligible?

Absolutely yes, provided:

  • Refrigerator 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 Refrigerator 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 refrigerator 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.

What does the refrigerator insurance cover?

  • The ORA Policy insurance plan covers accidental damage, mechanical breakdowns, electrical failures, and damages due to natural disasters.

Is there a cashless repair facility available?

  • Yes, ORA Policy provides a cashless repair facility at authorized service centers for covered damages.

Do you provide insurance for refurbished refrigerators?

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

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

  • 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 refrigerator is damaged again. Can I file another claim?

  • Absolutely! We understand that accidents happen. That’s why our comprehensive refrigerator 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 refrigerator insurance plan?

  • A refrigerator insurance plan is a protection policy that covers repair or replacement costs when your fridge breaks down due to mechanical, electrical, or accidental damage. It typically includes coverage for compressor failure, cooling system leaks, thermostat issues, and power surge damage, helping you avoid expensive out-of-pocket repair bills. ORA Policy's refrigerator insurance offers additional benefits like cashless repairs at authorized service centers, genuine replacement parts, and hassle-free claims through their website, email or whatsapp. This affordable safeguard ensures your food stays fresh and your household runs smoothly, even during unexpected breakdowns.

Does Ora insurance plan for refrigerator cover pre-existing issues?

  • No. ORA Policy's refrigerator insurance does not cover pre-existing issues or damage that occurred before purchasing the plan. The coverage applies only to new malfunctions or breakdowns that happen after the policy start date. Always inspect your refrigerator and complete any necessary repairs before enrolling in the insurance plan.

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.

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 refrigerator that I bought on EMI?

  • Yes, a refrigerator purchased on EMI (Equated Monthly Installments) 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 refrigerator?

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

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