Mobile & Electronic Device Protection

Embedded Coverage for Everyday Devices

Device-linked protection made available contextually at the point of purchase, activation, or financing.

Mobile and Electronic Device Protection is enabled only in connection with a device transaction—such as checkout, EMI activation, or subscription enrolment—providing coverage aligned to the specific device and usage context.

Select Device
Checkout / Activate
Embedded Protection
Covered Usage

What Makes This Embedded Device Protection

Protection that appears at the right moment, covers only what matters, and activates instantly

Contextual Availability

Protection options are surfaced only when a device is purchased, activated, or financed.

Device-Linked Scope

Coverage applies solely to the specific device (IMEI / serial-linked), tenure, and usage conditions.

Issued by Licensed Insurers

All insurance covers are underwritten and issued by IRDAI-licensed insurance companies.

Device Protection Options

Choose the protection tier that matches your platform’s device use cases

Essential Device Protection Cover

Indemnity-Based

Suitable for: Mass-market smartphones and electronics

Indicative Coverage Benefits
Accidental physical damage
Liquid damage (as per policy terms)
Screen damage (where applicable)
Coverage is subject to policy terms, conditions, limits, and exclusions.

Comprehensive Device Protection Cover

Indemnity-Based

Suitable for: Mid-range and premium devices

Indicative Coverage Benefits
Accidental and liquid damage
Theft or burglary (as defined in policy)
Screen and component damage
Coverage is subject to policy terms, conditions, limits, and exclusions.

Theft-Focused Device Protection

Indemnity-Based

Suitable for: High-theft risk locations or premium devices

Indicative Coverage Benefits
Theft or burglary of device
Forced entry or snatching events (as defined)
Replacement or indemnity as per policy wording
Coverage is subject to policy terms, conditions, limits, and exclusions.

Service & Repair Benefit Protection

Fixed Benefit / Service-Linked

Suitable for: Platforms focusing on frictionless servicing

Indicative Benefit Structure
Pre-defined repair or replacement benefit
Cashless repair through authorised networks
Benefit limits specified upfront

Comprehensive Device Protection (Insurance + Benefit)

Hybrid

Suitable for: Premium ecosystems and subscription journeys

Indicative Coverage Benefits
Accidental and liquid damage
Theft cover (as per policy)
Service / repair benefit component
Device-linked tenure and limits
Coverage and benefits are subject to policy terms, conditions, limits, and exclusions.

How Embedded Device Protection Works

A seamless 5-step journey from device selection to protection

1

Device Selection

Device is selected or activated on a platform

2

Options Displayed

Eligible protection options are displayed contextually

3

Protection Selected

User selects a protection option during the same journey

4

Coverage Activates

Coverage activates for the defined device tenure

5

Claims Processing

Claims or service requests are processed as per policy terms

Why Embedded Device Protection Works Better

Contextual delivery drives higher adoption and better outcomes

Higher adoption

vs post-purchase insurance

Protection relevance

tied to device lifecycle

Reduced claims ambiguity

via device identifiers

Improved customer trust

at checkout

Better alignment

with insurer underwriting models

How Sencov Enables Embedded Device Protection

End-to-end platform capabilities for device protection

Context-triggered display logic

Protection options surface only when relevant

Device identifier capture

IMEI / serial number validation and linking

Coverage configuration

Configuration of insurer-approved coverage options

Licensed issuance

Integration with licensed insurers for issuance

Claims orchestration

Claims and service orchestration workflows

Compliance by design

Consent capture, disclosures, and audit trails

Turn protection into a revenue driver and loyalty tool

Let Sencov launch branded protection programs for your appliances and devices

Device protection options are offered through IRDAI-licensed insurance partners and are available only in connection with a device purchase, activation, or financing transaction. Coverage, benefits, and payouts are subject to the terms, conditions, and exclusions of the applicable insurance policy.

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