Why compare appliance protection plans with us?

Appliance Insurance policies protect you against any issues with your household appliances, such as mechanical breakdowns and accidental damage. So, if your washing machine starts leaking water or your oven refuses to heat up, you’ll have the peace of mind of knowing it will be fixed or replaced – without the stress of a large unexpected bill.

Depending on the extent of your policy, you’ll be covered for things like engineers call-outs, like-for-like replacements and replacement parts. You’ll also have the security of knowing any issues should be resolved quickly, with minimal stress.

Appliance insurance typically covers any damage or issues that occur outside of the warranty period.

All policies differ but a policy would typically provide:

However, it's important to note that your appliance must have been purchased in the UK, as new. You need to have proof of purchase, and it also must be in good working order at time of purchasing the policy.

You can insure a wide range of household appliances, including:

Yes, you can insure up to 10 appliances with a Multiple Appliance policy. These could range from your standard appliances like fridges, freezers and washing machines, to smaller appliances likes wine coolers, coffee machines and slow cookers.

The extent of your cover will vary depending on the policy you choose, but typically appliance insurance won’t cover general wear and tear or cosmetic damage. It also won’t cover any pre-existing faults, routine maintenance and servicing, or manufacturer defects. Many policies also have an age limit on appliances, so if your appliance is a certain age – for instance 10 years or over – it could be excluded.

Depending on the level of your home contents insurance, your appliances may already be covered against loss or damage in events such asfire, theft or water leaks. While accidental damage can usually be added as an optional extra, it's unlikely your home policy will include cover for electrical or mechanical failures, which is a key advantage of appliance insurance.

While a warranty will protect you against mechanical faults, it won’t help if your appliance suffers any accidental damage, or is affected due to an electrical fault. These are both common causes of appliance breakdown, so opting for appliance insurance can give you additional peace of mind.

The price of your appliance insurance will depend on what you choose to insure – typically, the more appliances you include on your policy and the higher their value, the higher your premium will be. The average cost of an insurance policy to cover an appliance worth £450 would be on around £65.66 annually or £6.18 monthly (quote from October 2024.)

If you are concerned about affording the cost of repairs or replacements in the event an appliance stops working, then it could be worthwhile to invest in an appliance insurance policy. Issues with appliances can not only be costly, but also take time – so knowing you have an insurer in place to help you manage any unexpected issues can be a real benefit.