4th March 2020
4th March 2020
‘White goods’ is a term used to describe a wide range of large household appliances commonly found in the home. Fridges, fridge-freezers, washing machines and cookers are common white good appliances. Other common examples of kitchen white goods are tumble dryers, dishwashers, water heaters, microwaves and air conditioners. Kitchen white goods are also known as electrical white goods.
Historically, the term ‘white goods’ refers to large kitchen appliances, which are white enamel-coated, and electrical. Nowadays, kitchen white goods are made in a variety of colours and finishes but they still come under the generic heading of ‘White Goods’.
White goods cover offers individual householders protection for single white good appliances, or a group of white goods, against breakdown and white goods repairs. Like many types of household insurance cover, it aims to bridge the gap between the manufacturers’ warranty offered on the product, and any cover offered by your standard home insurance policy.
White goods insurance provides white goods breakdown insurance cover and offers protection against white goods repairs. It gives the householder peace of mind that they will not be faced with large call out charges and repair bills for the domestic appliances they use every day. So if you search for white goods insurance online you will find that white goods cover and white goods insurance are terms used interchangeably.
Most manufacturers’ warranty on electrical white goods or kitchen white goods lasts one or two years, after the initial purchase of the new product. Many manufacturers offer an extended warranty package after this period to their consumers but this is essentially white goods insurance cover. If this additional package isn’t offered by the product manufacturer, you can source a bespoke white goods insurance policy on the internet. You will find a number of domestic appliance insurers offer white goods cover for specific kitchen white goods or multiple electrical white goods products.
It’s important that you are specific when you search for your white goods insurance online. If you search using a term like white goods com, you are unlikely to get a list of white goods insurance companies. Similarly, if you are in the UK, and search for white goods UK, you will bring up results for white goods appliances for sale, rather than white goods insurance products.
Most domestic white goods insurance offers white goods cover for:
The policy may last between one and five years, depending on the age of the domestic appliance when it is insured. Flexibility is also offered for the potential policyholder to decide how long to insure their white goods for. However it must not exceed the age limit the insurer places on insuring domestic appliances.
Most white goods insurance doesn’t offer cover against:
Other common exclusions are:
Insurance is designed to protect the policyholder against unforeseen events that may lead to unexpected cost to rectify. The same principle applies to white goods insurance. Before you take out individual white goods cover or multiple white goods insurance, you need to be sure that it will actually save you money if your domestic appliance breaks down and requires a repair.
Just to recap:
White goods insurance is an important consideration for white goods not covered by manufacturer guarantees or extended warranties. Check your policy carefully to ensure it meets your needs and will protect you against unforeseen costs. Particularly check what is excluded from the policy to ensure you are safely covered.
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