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Home appliance insurance


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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 cover 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.


Why should I take out home appliance insurance? 

You pay a lot of money to buy appliances that work and also suit the aesthetic of your home. If your appliances stop working, you may not be able to afford to get them repaired or replaced straight away, which is where your home appliance cover can be a great help.

Home appliance cover offers you the assurance that if any of your carefully picked out appliances stop working, your insurance can offer to fix of replace it.

Which appliances are covered by a home appliance insurance policy?

A typical domestic home appliance 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 household and kitchen appliances including:

    • Cookers and microwaves

    • Fridges and freezers

    • Washing machines and tumble dryers

    • Dishwashers

    • Wine coolers

    • Coffee machines

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    What are the common exclusions?

    Exclusions you might find in a typical domestic appliance policy:

    • Unnecessary call-outs

    • Cosmetic damage and wear and tear

    • Pre-existing damage

    • Still under warranty

    • Fire and theft or attempted theft

    • Manufacturing defects

How much does home appliance insurance cost?

The premiums you'll pay for your home appliance cover will generally depend on how many appliances you want to cover, how old they are and how much they cost. 

Cover will usually start from £4.99 a month or £53.46 a year for one appliance.


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:

  • Renting your home

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

  • Under manufacturer warranty

    If you bought the appliance brand new it probably came with its own warranty. However, it might not cover certain things like accidental damage

  • Covered by contents insurance

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

  • Covered with your bank account

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

  • 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 do I need to get a quote?

You’ll need the following information about yourself and your appliance to hand to get a quote:

  • 1

    The type, make and model of appliance

  • 2

    How much the appliance cost

  • 3

    When and where it was purchased

  • 4

    The condition you bought it in

  • 5

    Proof of your purchase

  • 6

    Your name, date of birth and email

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

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

  • 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 

  • 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

  • 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

  • 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

  • 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

  • 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

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.

By combining independence with our excellent technology, we can negotiate the best prices and the best value on products and services.

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based on 36,981 reviews

Pros: So much choice which allowed me to get the right policy for me at the right price
Pros: So easy to use offering great policies made simple by your set up Cons: Nothing
David McDermottroe

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.

- David McDermottroe, Home Insurance Expert

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.

Should I take home appliance insurance or an extended warranty?

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 under one policy.

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 microwave, coffee machine or slow cooker, 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.

Most appliance insurance policies have an age limit, often for appliances over 10 years old. Some providers also have a compulsory excess if an appliance is over a certain age.

There can also be limits on the amount you can claim, or on the types of appliances covered, so be sure to check the policy details before buying.

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You might be wondering if we work with all the companies in the market, or if our commercial relationships with our partners might make us feature one company above another. We’ve got nothing to hide, and we want to give you clear answers when it comes to questions like these, so we’ve pulled together everything you need to know 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.