17th March 2020
17th March 2020
Nowadays, most kitchens contain a plethora of appliances. These broadly fall into two categories. Small electrical appliances, such as toasters, filter coffee machines, sandwich makers and kettles, which are usually reasonably inexpensive to buy, and replace if they are damaged. The other group are the larger kitchen appliances, sometimes known colloquially as white goods. Typical white goods found in the kitchen are; washing machines, dishwashers, tumble dryers, fridges, freezers and cookers, and it is these that are usually included in kitchen appliance insurance.
Kitchen appliance insurance is designed to cover you against the breakdown of your white-goods when they are out of warranty. Examples of cover would be repairing a leaking washing machine. Kitchen appliance insurance can cover multi appliances ie: all the white goods in your kitchen or just individual white goods, Examples of this are, dishwasher insurance, tumble dryer insurance and washing machine cover.
Appliance cover or appliance insurance can be purchased when you buy your appliance, through the store. Alternatively, your store or manufacturer may contact you and offer you an extended warranty, in the form of kitchen appliance cover. If you want to cover all your white goods, then it may be more cost-effective to take out home appliance cover, which covers multi-appliances.
Kitchen appliance insurance covers domestic appliances or white goods against breakdown caused by wear and tear. Different layers of the cover are available. You need to shop around to find the most competitive price for the amount of cover you require. If you opt for a multi-appliance cover, and your appliances are expensive, you may need to take out the higher level of cover. Generally speaking, the more appliances you want to cover, the more you will have to pay for your cover. However some companies may offer a small discount for multi-appliance insurance.
A few things to consider:
Check that your appliance cover provides you with:
Important Information
Some providers offer insured plans to look after your Boiler and Heating and other home services like plumbing, drains and electrics, whereas other providers offer non-insured plans. An insured plan will be underwritten by an insurer and also regulated by the [Financial Conduct Authority (FCA)](https://www.fca.org.uk/). Non-insured plans are not backed by an insurer and are not regulated by the FCA. Often non-insured or maintenance plans include an annual service of the equipment covered, whereas these may or may not be included in insured plans.
Like many insurance policies, appliance cover can be paid annually or in fixed monthly payments, which make budgeting easier. Appliance cover can be expensive if you want to cover more than one appliance, so it’s important to search for the most competitive policy.
If your white goods have extended warranty, there is no need for additional appliance cover, as the same benefits are usually included.
Most appliance insurance is intended for homeowners, but clearly landlords may also wish to protect the white goods in their rented properties against damage and breakdown. There are bespoke policies for landlords appliance insurance. These policies are intended to cover the landlord against the repair and replacement of their properties’ white goods.
Like household appliance insurance, landlords’ appliance insurance may cover a single expensive appliance, like a washing machine, or be a multi-appliance policy.
The main reasons for landlords’ appliance cover are first, to ensure that their tenants have the minimum inconvenience if a kitchen appliance breaks down. Second, to protect the landlord from an unexpected additional expense, if one of his tenants’ white goods breaks down.
Keeping your tenants happy should be a primary concern for a landlord. Taking out landlords’ appliance insurance, should provide your tenants with timely access to a repair engineer, if the white goods in the rented property breakdown.
Landlord appliance insurance is available in a variety of levels of cover, which offer differing maximum levels of cover.
To recap:
Kitchen appliance cover gives homeowners peace of mind that their kitchen domestic appliances will be repaired or replaced if they breakdown through wear and tear.
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