About

Let the music play on with our hi-fi system insurance

What's worse than a scratchy vinyl? A damaged Hi-Fi system. With our insurance, you can enjoy your music with peace of mind knowing that you're protected from the unexpected.

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Your hi-fi, protected

We know your hi-fi system brings your music to life - delivering rich sound for every moment - but even the most reliable devices can face unexpected faults or accidental damage.

That’s why we protect your hi-fi against breakdowns and accidental damage - along with over 30 other household appliances. Simple, affordable peace of mind - so you can enjoy your happily ever after.

What you'll get

Cover up to the value of your appliance

Cover for mechanical/electrical breakdown

Cover for accidental damage

Unlimited call outs (up to the value of your appliance)

What you won't get

Cover for appliances owned by someone else

Cover for pre-existing faults

Cover for issues in the first 28 days

Cover for appliances over 10

Cover for second-hand appliances

Rab

Excellent home appliance cover and more

Nick

Very competitive price to insure my washing machine,

Mike

...looking for robot vacuum insurance and HEA seems to be the only provider who can provide a policy on this type of item

Want to cover more appliances?

We cover over 30 appliances against mechanical and electrical breakdown, as well as accidental damage. Start with one, then add more on your quote page.

Get an appliance cover quote today

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FAQs

If your appliance is less than 5 years old and can’t be repaired, we’ll replace it with one of a similar type and spec, so you’re back up and running in no time.
If your appliance is between 5-10 years old, we’ll still give you a helping hand by making a contribution towards a replacement. The amount we cover depends on the age of your appliance:

Appliance age Contribution
Under 6 years old 40%
Under 7 years old 30%
Under 8 years old 20%
Under 10 years old 10%
Here’s how it works - quick, simple, and stress-free:
1. Call us - or fill out our online form - within 48hrs of the problem starting (after this, it wouldn’t be considered an emergency, and wouldn’t be covered).
2. We’ll arrange for an engineer to visit quickly, during our normal working hours (9am - 5pm, Monday to Friday, excluding bank holidays).
3. Once everything’s sorted, you’ll just need to sign to confirm you’re happy with the work, and we’ll take care of the bill directly with the engineer (within your cover limits).
You’ll find everything you need - including contact details on our claims page.
A quick heads-up - there’s an extra £50 excess to pay if:
- you make a claim in the first 90 days of your cover
- the appliance you’re claiming for is over 6 years old
When you take out cover with us, you can choose the excess that suits you best. In general, the higher the excess you pick, the lower your monthly cost will be.
The two options are £0, and £50.
A quick heads-up - there’s an extra £50 excess to pay if:
- you make a claim in the first 90 days of your cover
- the appliance you’re claiming for is over 6 years old
You’ll have unlimited call-outs, up to the value of your appliance(s) you’ve chosen to protect. Just keep in mind you can’t claim for more than the value you’ve declared for each appliance.
Want the full details? You can check out exactly what’s included (and what’s not) in your policy book.
Yes - we’ll need to see proof of purchase for the appliance(s) you’ve chosen to cover. Without it, we won’t be able to process your claim.

Policy book

Product information