Appliance Protection
Protect your home valuables with our Appliance Protection Plan. Use your appliance and electronic items with confidence, and have it repaired or replaced for free in case it gets damaged, broken or starts malfunctioning. With Appliance Protection added to your Home Credit loan, you can enjoy peace of mind for up to 2 years for as low as ₱3 per day!
What are the key benefits of Appliance Protection?
Free pick-up and delivery
Our courier partner facilitates door-to-door pick-up and delivery for appliance repair/replacement services, free of charge!
On-site repair for big appliances
Our authorized experts can perform basic repairs on big appliances right at your doorstep.
Authorized repair centers
Repairs are exclusively performed by authorized service centers that use 100% authentic parts.
Item replacement
In case of damage that is too complicated or costs more than the item’s price, a new or refurbished appliance/electronic item of equal specifications is provided.
Fast turnaround time
After pick-up, repaired or replaced items are delivered back to the customer typically within 1 to 3 business days in Metro Manila, 5 to 7 days business days in major cities including Cebu and Davao, and up to 20 days in smaller cities and remote areas.
Easy service request process
You can file a repair/replacement request via e-mail, telephone, website, or social media. Choose the most convenient way for you!
What does the Appliance Protection Plan cover?
Accidental Damage & Liquid Damage (ADLD)
This coverage protects your item from any type of damage that happens unintentionally or by external means. Here are some sample cases based on previous customer concerns:
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Nabagsakan ng kaldero ang oven door kaya nabasag ang glass nito. -
Tumagilid ang stand ng refrigerator at natumba kaya napaangat ang pinto at hindi na nasasara.
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Binato ng anak ko ang laruan niya sa TV habang nanunuod ng cartoons.
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Nag-slide mula sa table ang blender at nabasag sa sahig.
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Natanggal ang isang hinge ng TV at nagkaroon ng lines sa LCD screen.
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Natapunan ng juice ang bass speaker kaya sabog na ang sound.
Please note that service request approval varies from case to case based on the assessment of the service provider.
Extended Warranty (EW)
Extended warranty protects your item from the same defects and failures as those covered originally by the manufacturer's basic warranty after the manufacturer's warranty period has expired. Note that big appliances may have separate warranties for particular parts such as compressors and boards.
Extended Warranty always starts at the end of the manufacturer's warranty period, providing 1 extra year of coverage against malfunctions or breakdown. If any defect or failure happens during this extended period of coverage, please follow the service process described here on our webpage or on My Home Credit App.
Here are some sample cases based on previous customer concerns:
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Hindi na lumalamig ang refrigerator.
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Walang sound na lumalabas sa TV.
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Umuusok ang microwave oven kapag nakasaksak
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Mahina ang ikot ng makina ng washing machine, hindi na nakakapag-dry ng damit.
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Namamatay ang TV kahit hindi naman natamaan.
Please note that service request approval varies from case to case based on the assessment of the service provider.
IMPORTANT NOTE: What if the item started to malfunction or broke down during the manufacturer's warranty period (typically within 1 year from date of purchase)?
No worries, you are covered by the manufacturer. Look for your item's manufacturer warranty certificate or the contact information on the producer's website (e.g. Condura service center, Samsung service center, etc.) and simply follow their guidelines.
Situations not included in the coverage
On the other hand, there are a few cases excluded from the coverage, such as the following:
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Item is damaged intentionally (e.g. punching the television out of rage) -
Item gets lost or stolen
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Item is broken due to irresponsible use (e.g. using microwave oven to heat up aluminum foil causing it to blow up)
Here is the list of all coverage exclusions:
- Any defect that is subject to manufacturer recall.
- Breakage caused by violation of the Manufacturer’s Warranty terms.
- Breakdown or malfunction arising during the manufacturer’s warranty.
- Commercial use or communal use for multi-family housing.
- Cosmetic issues on the item, such as paint cracks, dents, or scratches.
- Damage or breakage resulting from negligence, illegal use, abusive use, or other forms of misuse.
- Damages and breakdowns arising from acts of nature.
- Damages and malfunctions resulting from fire, power surge, terrorism, war, or civil commotions.
- Damages arising from any intentional action on the item including incorrect installation or setup.
- Damages arising from overload, battery leakage, experiments, or tests.
- Defects and on-site service charges not covered by the manufacturer’s original written warranty.
- Delay confiscation, destruction, or requisition by authority as contraband, stolen good, or due to illegal acts.
- External faults such as wiring, electrical connection, or plumbing.
- Failures caused by applying incorrect voltage.
- Item gets lost, stolen, or any form of physical loss.
- Malfunctions caused by software or app downloads.
- Malicious damage, corrosion, animal and insect infestation, and abuse.
- Nuclear reaction, radiation, or radioactive contamination.
- egular wear and tear or gradual deterioration of the appliance/electronic item.
- Reimbursement of repair costs incurred by the customer from a third-party service provider.
- Replacement of consumable items or accessories such as bulbs, belts, batteries, chargers, headphones, remote controls, and cords.
- Replacement or support for data, software, and music.
- Routine maintenance, inspection, or cleaning.
- Service requests where no defect is found or noted.
- Service requests where we discover deception, fraud, and illegal use of the item.
- Shipping charges and damages from removal and relocation of the item.
- Unauthorized modifications made to the appliance, altered serial numbers or repairs performed by non-authorized repairers.
Coverage will be immediately and automatically terminated in the following events. In such case, no refund will be given to customer:
- When the serial number of the home appliance/electronics is removed, obliterated, or altered.
- If repairs have been conducted by unauthorized repair centers or person at any point during the coverage period.
- When customer has exhausted the repair limit amount of the coverage which is equal to the price of the appliance/electronic item
What are the available Appliance Protection Plans?
Home Credit has 3 types of Appliance Protection Plans ready to make you feel at ease. You can always view your chosen Plan on My Home Credit App. We also send all necessary documents to your e-mail immediately after your purchase.
2 Years Appliance Protection
1 Year Appliance Protection
Extended Warranty
*Available Appliance Protection plans and pricing may vary at selected retail partners.
What to do when something happens to your device?
If your appliance is damaged, don’t worry! Follow these simple steps to get help quickly:
Confirm who your Appliance Protection provider is by checking your Certificate of Coverage.
Contact your provider within 48 hours of the incident. Have your Home Credit Loan Account number and the item’s Serial Number ready.
You can find the Serial Number on the back of your appliance, the receipt, or the sales invoice.
To easily submit your claim, click on the provider icon below. This will take you directly to their dedicated claims portal.
. Boltech
. Esquire
If your provider is LEX, please reach out to them through these channels:
Website: LEX Services Webpage
Facebook: LEX Services
Mobile: 0919 170 0131
Email: claims@lexservices.ph
Viber: Viber QR code for chat support:
After submitting your service request, wait for the provider’s confirmation via SMS, email, or call within 24-48 hours.
Once your service request is approved, the provider will determine if the item can be repaired on-site, needs to be taken to a service center, or requires replacement.
• If for On-Site Repair: If possible, an authorized repairer will visit within 48 hours. Repairs are usually completed within a day. If unsuccessful, the item will be taken to a service center.
• If for Service Center Repair or Replacement: The item will be picked up within 48 hours.
The courier will confirm the pick-up schedule, address, and provide an alternate contact number if needed. Timing may vary due to distance, location, and weather.
You’ll be notified by your provider via SMS, call, or email when your repaired or replaced appliance is ready for delivery.
Delivery times:
• Metro Manila: 1-3 days after pick-up
• Greater Manila and big cities: 5-7 days
• Other areas: Up to 20 days, depending on the location
Your repaired appliance comes with a free repair warranty valid for 1 to 3 months, depending on the type of repair!
How can I cancel the Protection?
You can cancel the coverage by calling Home Credit Customer Service at (02) 7753 5711. The cancellation effectivity depends on when you make the request.
Cancellation within 15 days after signed date
The entire coverage will be cancelled, and the Appliance Protection Plan cost will be removed from the entire loan term.
Cancellation beyond 15 days after signed date
The Appliance Protection Plan cost will still be included in your next installment, and coverage will end on your upcoming due date.
From the following month, the cost will no longer be included in your installments.
