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Home appliance insurance

Find cheap cover for your home appliance

  • Get a quote in less than five minutes
  • See prices from over 55 brands
  • Save up to 46% on your premiums*

Compare cheap home insurance from over 55 providers

We’re committed to finding the right cover for you and your home. 

That’s why we compare over 55 of the biggest insurance providers in the country, including:

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What is home appliance insurance?

Home appliance insurance will repair or replace your home’s white goods and other appliances if they stop working, usually through mechanical failure or accidental damage.

Do I need home appliance insurance?

Whether or not you need home appliance insurance will be up to you. You should check if you already have cover in place – it could be a warranty or a basic contents insurance policy – and if this provides the protection you need then you may not need to take out further cover.

If not, however, then a home appliance policy can be useful. It offers the assurance that, should your appliance stop working, an engineer will be sent out (usually within 24 hours) to fix or replace it.

Paying premiums for domestic appliance insurance also means you don’t have to pay for replacing an appliance or for arranging for it to be installed when it breaks down.

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When would I not need domestic appliance cover?

Here are some scenarios when you may not need home appliances insurance – or buying it would mean doubling up on cover you already have. Here are some examples:

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    Renting your home

    In this case, the landlord will be responsible for repairing or replacing any appliances that come under the letting agreement.

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    Under manufacturer warranty

    If you bought the appliance brand new it probably came with a warranty – also known as manufacturer’s guarantee – for a set period.

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    Covered by contents insurance

    Your existing home insurance policy might offer cover for your appliances if they were damaged by fire or theft.

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    Covered with your bank account

    Some fee-charging bank accounts come with rewards or benefits such as free extended warranties for your home appliances.

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    Within your consumer rights

    The Consumer Credit Act entitles you to a refund if an appliance is faulty, cost between £100 and £30,000, and was bought with credit

What does home appliance insurance cover?

A typical domestic appliances home insurance policy should pay for the parts, labour and call out charge – including emergency call outs – when an appliance breaks down due to mechanical failure or accidental damage.  However, always check the provider’s terms and conditions so you know exactly what is and isn’t covered.

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    What appliances can I get cover for?

    Most providers offer cover for:

    • Cookers and microwaves
    • Fridges and freezers
    • Washing machines, tumble dryers and dishwashers
    • TVs and TV boxes
    • Games consoles and music systems
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    What are the common exclusions?

    Exclusions you might find in a typical domestic appliance policy:

    • Unnecessary call-outs
    • Cosmetic damage
    • Wear and tear
    • Pre-existing damage
    • Still under warranty
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How much does home appliance insurance cost?

Your premium quote will depend on several factors such as where you live (for example, an area of high crime rates or flood risk), the value of appliances you are covering, your own personal claims history – and whether you choose to pay your premiums monthly or annually (paying monthly is more expensive overall).

However, basic cover can start from just a few pounds a month.

What do I need to get a quote?

We make it easy for you to compare your home insurance options – just make sure you’ve got the following information to hand:

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    Your details

    Like your date of birth and email address, plus details of any home insurance claims you’ve made in the last five years

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    Details about your home

    The type of property it is, the number of rooms and when it was built, the type of roof it has, and if there are any trees nearby

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    Information about who lives there

    How many people live in the property, when they're usually at home, and if anyone is a smoker

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    Security information

    Whether you’ve got a burglar alarm, and which types of window and door locks you have to secure your home

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    The rebuild cost of your home

    The cost of rebuilding your home from scratch if the worst happened and it was destroyed beyond repair

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    The value of your home’s contents

    The estimated cost of replacing the contents in your home should they become damaged, lost or stolen

What should you look for in a home appliance insurance policy?

Before taking out a home appliance insurance policy, you should ensure you know exactly what cover you’ll get for your money. Keep an eye out for the following information:

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    What type of items are covered

    You should know what appliances you need cover for, so make sure they’re listed in the policy documents to avoid any unpleasant surprises 

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    Age limits

    Insurers are likely to have an age limit in place, so older appliance might not qualify for cover – largely because they’re at a higher risk of breaking down

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    Cosmetic damage

    It’s unlikely your provider will cover costs relating to cosmetic damage, but it is possible – so check the policy information to be sure

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    No claims period

    You may face a no-claims period when you first take out your policy, usually up to three months, during which you won’t be able to make a claim

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    Claim limits

    Insurers often have a limit for the overall value of a claim, as well as amount-per-item – so be sure you know what this is before taking out a policy

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    Limits on number of appliances

    There may be a maximum number of items you can have on your policy – keep an eye out for this if you’re insuring more than one appliance

How can I save money on home insurance?

There are a number of things you can do to reduce the cost of your home insurance policy, some of which are:

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    Pay annually

    Paying up front for your home insurance policy generally works out cheaper than spreading the cost over 12 months

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    Value your contents

    Ensuring an accurate valuation of your contents can help you get the right amount of cover, rather than over- or under-insuring yourself

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    Calculate your rebuild cost

    Likewise having an accurate figure for your property’s rebuild cost helps you get the right level of protection on your building’s insurance

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    Avoid small claims

    Each claim you make is likely to raise your premiums, so if you can sort minor problems yourself it lets you build up a no-claims bonus

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    Pay more excess

    If you can opt for a higher voluntary excess fee, this will indicate you’ll be prepared to avoid making small claims on your policy

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    Buy combined cover

    You may find that combining buildings and contents into one policy works out cheaper than buying separately

 

 

We're 100% independent, working only for our customers

Unlike some of our competitors, MoneySuperMarket is not owned by an insurance company. So we can offer the best value, with savings delivered straight to you.

We combine independence, so we can negotiate the best prices, with excellent technology, to find the best value products and services.

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of our customers would buy again based on 32,949 reviews

Kate Devine

Our expert says

"Home appliances should be long term investments, but that often means they’re expensive to buy and maintain. Ensuring they’re properly covered can save you a headache in the long-term, so you won’t have to worry about the cost of repairing or replacing them should they break down. Whether that’s with your standard contents cover or a specialised home appliance policy, it’s always important to compare your options so you can get the best available deal. "

- Kate Devine, head of home insurance

Warranties on your appliances are offered by the product’s manufacturer, rather than an insurance company. It works as a guarantee that the appliance you’ve bought is free of any defects that prevent it from working.

They usually last a year, and while you can usually get them extended up to five years – known as an extended warranty – these work slightly differently to the original warranty period. During the extended period you’ll be entitled to repairs should your appliance become defective – this means the costs of parts, and usually labour and call out charges too, are covered.

However, warranties are product-specific – meaning each warranty only applies to the appliance it came with. A home appliance insurance policy isn’t generally limited to one item, so you can use it to cover a range of appliances in your home.

You can cover multiple home appliances under one policy. In fact, doing this often leads to a discount on the annual premium.

If you’re a tenant then your landlord should have cover in place for any appliances they’ve provided, such as the fridge, cooker and washing machine – this won’t be your responsibility. However anything you’ve bought and brought yourself, like your TV, games consoles, stereos, or microwaves and toasters, is up to you to cover.

As a landlord, you aren’t legally obligated to take out insurance for any appliances you provide in your rental property. However, you are responsible for keeping the property in shape and up to a certain living standard – so you may find having the right cover saves you on shelling out in the future.

Your home contents insurance policy is likely to cover your kitchen appliances against certain things, like theft, fire or storm damage, or escape of water. They may not however offer accidental damage as standard, so you’ll likely have to pay extra for this – and things like mechanical damage and emergency call-out charges will probably not be covered.

Older appliances are less likely to qualify for cover, simply due to the fact that they’ll be more likely to break down simply as a result of wear and tear. The limit will depend on the insurer, but expect it to be in the region of eight years as a maximum age.

Providers usually operate a new-for-old policy as part of their home appliance insurance, which means you’ll be given a brand-new replacement, usually market-equivalent, for the damaged appliance. Check your policy details.

Your appliance insurance policy should cover call-out charges, as this is partly what distinguishes it from standard contents cover. However be sure to check your policy to be certain.

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So how do we make our money? In a nutshell, when you use us to buy a product, we get a reward from the company you’re buying from.

But you might have other questions. Do we provide access to all the companies operating in a given market? Do we have commercial relationships or ownership ties that might make us feature one company above another?

We commit to providing you with clear and informative answers on all points such as this, so we have gathered the relevant information on this page.

 

We aim to show you home insurance quotes from as many insurance companies as possible, so that you can find the right policy for you.

Unfortunately, we can’t promise to show quotes from every insurance provider, because not all companies want to be included on comparison websites.

We won’t offer you advice or make a recommendation, but we will provide you with all the information you need to help you decide which is the right policy for you.

You can find out more about how we work here.