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Home appliance insurance

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What is home appliance insurance?

Home appliance insurance is there to plug the gap between home insurance and appliance warranties.

While home contents insurance typically offers some cover for appliances, there may be strict limitations. For example, your policy may cover you for accidental damage and/or theft of an appliance but not mechanical breakdown, repairs, call-out fees or the cost of parts and labour.   

And while most new home appliances are protected by at least a one-year warranty, if something happens after that first year, you may find yourself in difficulties. You’re likely to be offered an extended warranty when you buy an appliance to cover this situation. But you could get better value and more extensive cover if you shop around and insure your appliances under a separate policy. This is known as standalone home appliance insurance. If your goods are expensive to repair or replace, this option could give you additional peace of mind. 

Frequently asked questions

Which appliances are covered by a home appliance insurance policy?

Policies will vary but, generally speaking, the following will be covered: 

  • fridges and freezers
  • ovens and microwaves
  • washing machines
  • dishwashers
  • TVs and DVD players
  • music systems  

Things like mobiles, tablets and laptops can be insured with gadget insurance.

Do I need home appliance insurance?

If you’ve invested a lot of money in a brand-new LCD TV or a top-of-the-range fridge freezer, home appliance insurance might be worthwhile.  

A good tip is to consider the total cost of the insurance against the cost of a new appliance, and whether or not you’re willing to take the risk and buy a new product if it breaks.

How much does home appliance insurance cost?

The cost of home appliance insurance varies, depending on the value of your appliances and the insurance provider you choose. Typically, however, your monthly premium will be in the region of £1.49 to £22 for a standalone policy.

What limitations should I look out for in a policy?

The first thing to check is whether your preferred insurance provider is willing to insure older appliances. A few other things to consider are:

  • Which types of items are covered and does that fit your needs?
  • Is there an age limit on items that are covered?
  • Do they cover cosmetic damage?
  • Do they cover accidental damage and theft?  
  • Is there a no-claims period – where you can’t make any claims for a set period at the start of the policy – and, if so, how long is it?  
  • Is there a limit on the amount that you can claim for overall and for a single appliance?
  • Is there a limit on the number of appliances you can cover?
  • What is covered? Are mechanical and electrical parts, labour and call-out fees covered? Will you get a replacement if the home appliance can’t be repaired?

It’s important to make sure you have the right level of cover in the event that something does go wrong. So it helps to know exactly what level of cover you’re looking for, before you shop around. 

Home appliance insurance or extended warranties?

Some people choose to pay for an extended warranty, rather than taking out home appliance insurance.  

An extended warranty is, basically, an insurance policy provided by the appliance manufacturer, and it’s usually taken out and paid for in full at the time of purchase. It’s worth noting that an extended warranty only applies to the individual item you’re buying – you won’t be able to insure your existing appliances under an extended warranty. So, unless you’re buying everything from scratch, a home appliance insurance policy could be a better option.

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