Do you know what appliance insurance protects you against?

Having your vital kitchen appliances break down isn’t only inconvenient. Not only do you have to survive without your washing machine, oven, dishwasher or fridge-freezer, but you have to worry about sourcing a repairman or buying a replacement, so it can be costly too!

Having appliance cover in place before a fault develops is important so you know you’ll be covered in the event that your kitchen appliance breaks down.

Appliances you can cover

We can cover a wide range of kitchen appliances all on one plan, and if you insure more than one, you’ll get a multi-product discount too:

• Freestanding cooker (we can’t cover Aga/Rayburn or other cast-iron range cookers)

• Cooker, hob or oven

• Hood/extractor

• Microwave oven

• Dishwasher

• Fridge/freezer

• Fridge

• Freezer

• Washing machine

• Tumble dryer

• Washer/dryer

• Wine cooler

We can also cover a range of electrical items, floorcare items, home entertainment, and small appliances to keep life moving smoothly.

What cover you get

We can cover your white goods as long as your appliance is under 10 years old. You’ll get cover against mechanical or electrical breakdown along with accidental damage.

If your appliance were to break down, we’ll typically send a trained engineer as quickly as possible at a mutually convenient time to repair your appliance and, if they’re not able to fix it, replace it.

If your appliance is over 5 years old, but under 10 and is unable to be fixed, we’ll make a contribution towards the cost of replacement. This depends on the specific age of your appliance and will be made with vouchers from a retailer chosen by us.

How this differs from a warranty or home insurance

You’ll find that your home insurance will typically cover your appliances in the event of theft or damage but are unlikely to cover them if they were to break down.

Most new appliances will come with a manufacturer’s warranty and guarantee you repairs and servicing for the first year. However most mechanical, or electrical problems occur outside of the warranty period.

In this instance, if your appliance breaks down, you’ll need to replace it yourself or pay the manufacturer to repair the item. Both can be expensive and leave you out of pocket.

This is where appliance cover comes in by covering you for any mechanical or electrical breakdowns (along with accidental damage) that occur outside of the warranty period.

Want to protect your appliances with insurance for mechanical and electrical breakdown plus accidental damage? Cover everything from washing machines, to ovens, air fryers and smart tech. Get a quick, free quote online to keep life running smoothly. Or explore our full range of plans, including boiler and heating, plumbing and drainage, or complete home emergency cover for total peace of mind.