Protection Plan Program
10/16/2025
This guide will provide Sellers with a clear understanding of the Protection Plan program on TikTok Shop, so Sellers can encourage more buyer trust, improve store competitiveness, and reduce disputes related to product damage after delivery.
The Protection Plan is provided in partnership with Chubb Samaggi Insurance Public Company Limited (a Chubb Company), is a registered general insurance company regulated by the Office of the Insurance Commission (OIC).
By understanding the Protection Plan, Sellers can better promote a safe and confident shopping experience, helping to increase Buyer trust and encourage higher conversion rates in their stores.
📝Note: Damage caused during delivery or shipping is not covered under the Protection Plan. Delivery issues should be reported separately to TikTok Shop Customer Service.
Learn more: Visit TikTok Shop Buyer Help Center for updated guides about Protection Plan and Buyer support best practices.
Why Protection Plan Matters for Sellers
Benefit | Description |
🛡️ Build Trust | Buyers feel secure when protection is available. |
📈 Increase Sales | More Buyers are likely to complete checkout. |
🛠️ Minimize Complaints | Reduces disputes over post-delivery damages. |
🌟 Boost Reputation | Enhances store credibility and trustworthiness. |
What is the Protection Plan?
Protection Plan is an optional service available on TikTok Shop that offers extra protection for buyer purchases, such as gadgets, electronics, and other products. It covers accidental damage or loss that occurs during normal usage after delivery is complete.The Protection Plan is provided in partnership with Chubb Samaggi Insurance Public Company Limited (a Chubb Company), is a registered general insurance company regulated by the Office of the Insurance Commission (OIC).
By understanding the Protection Plan, Sellers can better promote a safe and confident shopping experience, helping to increase Buyer trust and encourage higher conversion rates in their stores.
How does the Protection Plan work?
- Eligible items will display a Protection Plan option during checkout.
- Buyers can add the Protection Plan when completing their purchase.
- After the item has been delivered and received successfully, the Protection Plan coverage becomes active.
- If the item suffers accidental damage during regular use (not related to delivery), Buyers may submit a claim directly through the TikTok Shop app.
What types of Protection Plan are available?
| Protection Type | Applicable Products | Coverage Scope | Coverage Period |
| Gadget Protection | Smartphones, tablets, smartwatches | - Screen/LCD damage- Accidental or liquid damage (e.g., falling, water exposure, spillage, immersion) | 12 months |
| Electronic Protection | Large non-portable electronics (e.g., TV, washing machine, AC) | - Physical damage (falling, crushed, thrown)- Liquid damage (spillage, immersion) | 12 months |
How much coverage can Buyers get?
The amount reimbursed for an approved claim is based on the original purchase price of the item, with a 10% deductible applied.A deductible is a mandatory deduction set by the insurance provider. This means that buyers will not receive the full item price during a claim payout; 10% of the original price will be deducted.
Important Exclusions
The Protection Plan does not cover:- Willful or criminal acts
- Counterfeit goods
- Normal wear and tear
- Drones and drone accessories
- Second-hand or used goods
Why is it important for Sellers to understand Protection Plan?
- Helps increase Buyer trust and confidence in the platform.
- Reduces disputes over accidental damages after delivery.
- Enhances product competitiveness by offering Buyers peace of mind.
Common Buyer Questions Sellers Might Encounter
Question | Answer |
| Is the Protection Plan legitimate? | Yes, provided by Chubb Samaggi Insurance Public Company Limited (a Chubb Company), is a registered general insurance company regulated by the Office of the Insurance Commission (OIC). |
| When does coverage start? | Coverage begins once the item is successfully delivered and received. |
| Does it cover delivery damage? | No, Protection Plan only covers accidental damage during usage after delivery. Delivery issues are handled separately. |
| Where can Buyers find their policy? | Buyers can access their Protection Plan information via TikTok Shop Inbox Notifications or their Order Page. |
| Who manages claims? | All claims are assessed and processed directly by Chubb, not Sellers. |
🚀 Quick Summary for Sellers
- The Protection Plan is optional and purchased by Buyers.
- Sellers are not involved in any part of this transaction — including the purchase, policy issuance, or claim process.
- If Sellers receive any questions from Buyers regarding Protection Plan or insurance claims, please advise the Buyer to contact TikTok Shop by Tokopedia Customer Service directly.
Learn more: Visit TikTok Shop Buyer Help Center for updated guides about Protection Plan and Buyer support best practices.