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Smartphone Accidental Damage Insurance India — ADLD Cover for Drops, Cracks & Liquid Spills

Trusted across 500+ Cities in India | OEM-Authorised Repairs Only | Cashless Claims | Paperless Purchase in 5 Minutes

Accidents happen. A momentary slip, a glass of water knocked over — and suddenly your smartphone has a cracked screen or a damaged circuit board. Repair costs for modern smartphones are steep, and standard manufacturer warranties cover zero accidental damage. Sequre Accidental and Liquid Damage (ADLD) insurance protects your smartphone from exactly these real-world risks — covering drops, cracks, and liquid spills with cashless, OEM-authorised repairs.

Whether you own an iPhone, Samsung, Vivo, Oppo, OnePlus, Xiaomi, Motorola or Realme — Sequre ADLD insurance covers all major smartphone brands sold in India, backed by brand-authorised service centres and fully cashless claim settlement.

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Why Trust Sequre for Accidental Damage Insurance?

Sequre is one of India’s dedicated consumer electronics and smartphone protection specialists, designed for Indian conditions — where daily usage, dust, humidity, and accidental damage put devices at constant risk.

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All Sequre insurance plans are structured in compliance with Indian consumer protection guidelines. Refer to the Insurance Regulatory and Development Authority of India (IRDAI) (irdai.gov.in) for your insurance rights in India.

What is Accidental Damage Insurance (ADLD)?

ADLD stands for Accidental and Liquid Damage — two of the most common and expensive types of smartphone damage. Unlike a manufacturer warranty which covers only factory defects, ADLD insurance covers physical damage that happens during everyday use — drops, falls, cracks, and liquid spills.

Sequre ADLD insurance pays for repair costs, genuine spare parts, and OEM-authorised labour — so your phone is repaired correctly and returned to you quickly, at zero out-of-pocket expense for covered damage.

Accidental Damage

Drops, falls, and physical impact causing cracks or internal damage.

Screen Damage

Cracked, shattered, or broken display repair and replacement

Liquid Damage

Water or liquid spill damage to internal circuit boards and components

OEM-Authorised Repairs

All repairs by brand-certified technicians using genuine parts only

Why You Need ADLD Insurance for Your Smartphone

Smartphones are handled dozens of times a day — in transit, at work, at home. India’s busy environments, crowded public transport, and active daily lifestyles mean accidental damage is not a question of if, but when. And as smartphone prices continue to rise, the financial impact of uninsured damage grows sharper.

According to TRAI’s Telecom Subscription Data, India has over 600 million smartphone users — yet mobile insurance penetration remains under 5%. The vast majority of Indian smartphone owners bear full repair costs out of pocket.

  • Screen replacement for a mid-range smartphone: ₹5,000–₹15,000
  • Premium iPhone/ Samsung flagship or Oneplus screen repair: ₹20,000–₹35,000
  • Liquid damage repair — internal board replacement can equal the full device value
  • Accidental drops are the #1 cause of smartphone damage in India
  • Manufacturer warranties cover zero accidental or liquid damage — every accident is fully out of pocket without insurance

What Does Sequre ADLD Insurance Cover?

Every Sequre ADLD insurance plan includes the following coverage, serviced exclusively through OEM-authorised service centres:

Coverage Type

What It Includes

Accidental Damage

Protection against drops, falls, physical impact, and cracks from everyday accidents. Covers repair or replacement of damaged components using genuine OEM parts.

Screen Damage

Cracked, shattered, or broken screen repair and full screen replacement. Covers touchscreen and display panel damage for all supported smartphone models.

Liquid Damage

Water and liquid spill protection — including internal PCB damage, circuit board, and component failure caused by liquid contact.

What is Not Covered?

Sequre ADLD insurance covers real-world accidental damage — not pre-existing conditions or intentional acts:

  • Pre-existing damage — any visible damage at the time of purchasing the plan
  • Intentional damage or damage caused deliberately
  • Cosmetic wear and tear — minor scratches and surface marks that do not affect device function
  • Software issues, data loss, or virus damage
  • Damage from unauthorised modifications or repairs by non-authorised technicians
  • Theft or loss of the device

Looking for post-warranty breakdown protection? Explore Sequre’s Extended Warranty plans for smartphones.

How to Buy Accidental Damage Insurance Online?

Buying a Sequre accidental damage insurance plan takes less than 5 minutes and is entirely paperless. Simply keep your purchase invoice handy — you will need to upload it as part of the quick online process.

  1. Choose your device — select your brand and model from our supported device list
  2. Enter your device details — IMEI or serial number, purchase date, and current condition (device must be in good working condition with no pre-existing damage)
  3. Select your plan — you are purchasing Sequre Shield+ (ADLD), which covers accidental drops, screen damage, and liquid spills. This is a single comprehensive plan.
  4. Upload your purchase invoice — a simple photo or PDF of your original purchase receipt
  5. Make payment — secure online payment via UPI, net banking, credit/debit card.
  6. Receive instant confirmation — a plan confirmation message is sent to your WhatsApp and Email immediately. Your full policy document is delivered digitally within 24–48 hours.
  7. Coverage activates — your plan activates from the date of purchase. You are protected from day one.

How to Claim Accidental Damage Insurance?

Filing a claim with Sequre is fast, transparent, and completely cashless:

  1. Raise a claim —call our helpline or submit online through the Sequre App/portal. Have your policy number and device serial number ready.
  2. Claim verification — our team verifies your plan and damage description within 2–4 hours
  3. Drop-off or pickup — drop your device at the nearest OEM-authorised service centre or our team arranges doorstep pickup depending on your location
  4. Repair using genuine parts — an authorised technician diagnoses and repairs your device using genuine OEM components only
  5. Cashless closure — all approved repair costs settled directly between Sequre and the service centre. Zero out-of-pocket expense.

Most claims are resolved within 3–7 working days. For straightforward screen repairs in major cities, same-day or next-day service is often available.

Why Choose Sequre?

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OEM-Authorised Repairs Only

Every repair at the brand's own authorised service centre using genuine manufacturer parts. No third-party technicians.

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Fully Cashless Claims

Approved repairs settled directly with the service centre. Zero out-of-pocket expense.

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Transparent Coverage

All inclusions and exclusions clearly stated upfront. No hidden conditions or surprise rejections.

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Paperless & Instant

Buy online in under 5 minutes. Policy delivered to your WhatsApp and Email.

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Pan-India Coverage

OEM-authorised service centres across 500+ cities and towns.

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All Major Brands Covered

Protection plans for every major brand sold in India.

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Frequently Asked Questions — Accidental Damage Insurance

What does ADLD stand for?

ADLD stands for Accidental and Liquid Damage. It refers to a protection plan that covers smartphones against physical damage from accidents — drops, falls, cracks — and damage caused by liquid or water contact. It covers It is one of the most common and valuable forms of smartphone insurance in India.

Does ADLD insurance cover screen damage?

Yes. Sequre ADLD insurance fully covers cracked, shattered, and broken screen repair and replacement — including touchscreen and display panel damage. It also covers damage to internal components or other parts of the device including mechanical and electrical breakdown caused due to accidents. Screen damage from accidental drops is the most common claim type and is covered under all Sequre ADLD plans.

Does ADLD cover liquid damage?

Yes. Liquid and water damage is included in Sequre’s ADLD coverage — including internal circuit board damage, PCB, and component failure caused by liquid contact. If your phone gets wet or is submerged, Sequre covers the repair.

Is ADLD different from a manufacturer warranty?

Yes — significantly. A manufacturer warranty covers only factory defects and component failures due to manufacturing faults. It covers zero accidental damage and zero liquid damage. Sequre ADLD insurance covers exactly what manufacturer warranties don't — the damage that happens during real daily use.

What documents do I need to buy ADLD insurance?

You need your smartphone purchase invoice (photo or PDF), device IMEI number, and basic personal details. The entire process is completed online in under 5 minutes — no physical paperwork or branch visits required.

Does Sequre use OEM-authorised technicians for ADLD repairs?

Yes — all ADLD repairs are carried out exclusively at brand-authorised service centres using genuine OEM spare parts. We never use third-party repair shops or non-original components.

How long does an ADLD claim take?

Most claims are resolved within 3–7 working days. For straightforward screen repairs in major cities, same-day or next-day service is often available. You receive status updates at every stage of the repair process.

Is there a waiting period after buying ADLD insurance?

No. Sequre ADLD insurance activates from the date of purchase — there is no waiting period. You are covered from the moment your policy is confirmed after payment.