Protection Plan Program
06/16/2025
This guide will help sellers understand the Protection Plan program available on TikTok Shop by Tokopedia. By understanding this program, Sellers can build Buyer trust, strengthen store competitiveness, and reduce potential complaints related to post-delivery product damages.
It provides coverage against accidental damages that happen during normal usage, after the product has been successfully delivered.
The Protection Plan is offered in partnership with PT Pialang Asuransi Indotekno, a licensed insurance brokerage company regulated by the Indonesian Financial Services Authority (OJK).
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: Protection Plan does not cover damages related to delivery or shipping.
Any delivery-related issues must be reported separately to TikTok Shop by Tokopedia Customer Service.
Learn more: Visit TikTok Shop Help Center for updated guides about Protection Plan and Buyer support best practices.
Why Protection Plan Matters for Sellers
Benefit | Description |
| 🛡️ Build Buyer Trust | Give Buyers confidence that their purchases are protected. |
| 📈 Increase Sales | Encourage Buyers to complete their purchases with added peace of mind. |
| 🛠️ Reduce Complaints | Lower the risk of disputes regarding accidental damages after delivery. |
| 🌟 Boost Store Reputation | Create a professional and trustworthy store image. |
What is Protection Plan?
Protection Plan is an optional service on TikTok Shop by Tokopedia that offers Buyers additional protection for their purchases, such as gadgets, electronics, and other categories.It provides coverage against accidental damages that happen during normal usage, after the product has been successfully delivered.
The Protection Plan is offered in partnership with PT Pialang Asuransi Indotekno, a licensed insurance brokerage company regulated by the Indonesian Financial Services Authority (OJK).
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 Protection Plan Work?
- Eligible products will display the Protection Plan option at checkout.
- Buyers can select and purchase a Protection Plan when completing their orders.
- Once the product is successfully delivered and receipt is confirmed, the 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 Plans are Available?
Protection Type | Coverage Scope | Coverage Period |
| Screen Crack Protection | Screen cracks and accidental breakage | 12 months |
| Gadget Protection | Accidental physical damage to mobile phones and tablets | 12 months |
| Gadget Extra Protection | Expanded accidental damage coverage for mobile phones, tablets, and smartwatches | 12 months |
| Electronic Protection | Accidental physical damage to electronic devices (excluding theft) | 12 months |
| Total Loss Protection | Total loss or irreparable damage to certain goods | 3 months |
Any delivery-related issues must be reported separately to TikTok Shop by Tokopedia Customer Service.
How Much Coverage Can Buyers Get?
The approved claim amount is based on the original purchase price of the item, minus a 10% deductible.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
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, Protection Plan is provided by FUSE, a licensed insurance brokerage company regulated by OJK. |
| When does protection start? | Coverage starts after the product has been successfully delivered and receipt is confirmed. |
| Is delivery damage covered? | No, Protection Plan only covers accidental damage during usage after delivery. |
| Where can Buyers find their policy? | Buyers can access their Protection Plan information via TikTok Inbox Notifications or through the Order Page. |
| Who manages claims? | Claims are managed and assessed directly by FUSE and their insurance partners, not by Sellers. |
🚀 Quick Summary for Sellers
- 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 Help Center for updated guides about Protection Plan and Buyer support best practices.