Heartless Indian certain to take cover (6)
I believe the answer is:
insure
'cover' is the definition.
(I know that cover can be written as insure)
'heartless indian certain' is the wordplay.
'heartless' suggests removing the centre.
'certain' becomes 'sure' (synonyms).
'indian' with its centre taken out is 'in'.
'in'+'sure'='INSURE'
'to take' acts as a link.
(Other definitions for insure that I've seen before include "Protect against possible loss" , "Rue sin (anag)" , "Guarantee against loss" , "Take out cover" , "Protect value through contract" .)