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What is home appliance insurance?


As the name suggests, home appliance insurance provides cover for appliances like white goods and electronics, which can be expensive to repair and replace. Essentially, it bridges the gap between home insurance and appliance warranties.

If you have an existing home insurance policy, you may already have some level of cover for your appliances. For example, your policy may cover you for accidental damage or the theft of your home appliances. However, the cover may not extend to repairs, call-out fees, new parts and labour. That’s where appliance insurance comes in.

A newly purchased appliance is also likely to come with at least a one-year warranty. You can sometimes pay an additional fee for extended warranty. But what happens if your appliance breaks after the warranty has run out? It’s also worth comparing the cost of home appliance insurance against the cost of extended warranty to see which works out cheaper.

Appliance insurance: What’s covered?

Exactly what’s included in appliance insurance cover may vary slightly from one policy to the next. Generally speaking, policies will include:

  • White goods insurance i.e. fridges, freezers, washing machines, dishwashers
  • Ovens and microwaves

Domestic appliance insurance doesn’t usually cover mobiles, tablets and laptops. Instead, you’ll need to take out gadgets insurance, which is tailored specifically to these devices.

Do you need household appliance insurance?

The best way to tell if you would benefit from appliance insurance is to think about what you’d do if your relatively new but out-of-warranty washing machine broke? Could you afford the call-out charge, parts and repair work, without it seriously affecting your finances? Could you afford to replace it if it couldn’t be fixed?

If the answer is no, then you may find the cost of home appliance insurance worth paying. Most home appliance insurance companies allow you to either pay monthly or save on the cost of the policy by paying an annual fee.

How much does appliance insurance cost?

There is no set cost for home appliance insurance. Several factors can influence the cost, including the age of your appliances and their value, the insurance provider you choose and whether you require multi appliance insurance.

We did a quick online search and found it for as little as £1.49 per month!
Before taking out an appliance insurance policy, we would always suggest doing a price comparison. There are plenty of online tools you can use to make sure you secure the best policy for your budget.

Research home appliance insurance companies online

As well as doing a price comparison for appliance insurance, it’s important to research the providers too. Have a look at some online reviews and ask your friends and family for recommendations. Check they have a good reputation and offer good customer service. Steer clear of any companies with bad reviews.

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What is home appliance insurance?

Tips to find the best home appliance insurance

Thinking of taking our appliance cover? Here are a few tips to help you choose wisely.

1. Check what appliances are covered

Make a list of the home appliances you need insurance for and check they are included within the policy. You may find that some policies are designed for kitchen appliance insurance only, whereas others may offer wider cover.

2. Is there an appliance age limit?

Some insurance companies may not provide cover if your appliances are very old, as they’re more likely to require regular repair work and finding parts can be difficult. Check what the age limit is and make sure your appliances will be covered.

3. Check what you can claim for

It’s important to know what you can claim for and what you can’t claim for. Is cosmetic damage included? How about accidental damage? Theft? Repairs work and parts? If the policy doesn’t make it clear, ask for clarification.

4. Is there a no-claims period?

Sometimes home appliance insurance companies will have a ‘no-claims period.’ This basically means you can’t make a claim at the start of your policy until a certain length of time has passed. Find out how long it is.

5. Is there a limit on claims?

Check to see if there is a limit on how many claims you can make within a certain period. It’s also worth finding out the maximum amount you can claim for a single appliance.

6. How many appliances can you cover?

Most policies should offer multi appliance insurance – some insurance companies may even offer you a slight discount the more appliances you insure. Find out the maximum number and make sure all of your high ticket appliances are covered.

7. Check for excess charges

With boiler cover and home cover, you’re often required to pay an excess fee on any claims you make. This is likely to be the same with appliances cover too. Find out how much you will be expected to pay and compare it against other home insurance providers.

8. How does the claim process work?

Find out how easy it is to make a claim. Do they give you access to a 24/7 free helpline? How quickly can you expect your appliance to be repaired or replaced? These are all important questions to ask.

9. Always read the small print

As with any insurance policy, you need to read the small print. Don’t get caught out! If anything is unclear or you don’t know what something means, ask for clarification. When it comes to parting with your hard-earned cash, there are no silly questions!

Appliance insurance or extended warranty – which is better?

If you are buying a brand new appliance, you may get the option to pay for extended warranty. It’s worth double-checking but this should provide a similar level of cover to standalone home appliance insurance. But before signing on the dotted line, it’s worth checking the price – sometimes appliance insurance can work out cheaper!

Remember, you can only purchase extended warranty for brand new appliances and you will have to purchase a separate warranty for each appliance you buy. You can’t purchase it for existing appliances that you own. Therefore, if you are looking to insure an older appliance or multiple appliances in your household, an appliance insurance policy is the best option.

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