Bought in the UK
The appliance must have been purchased from within the UK
Home appliance insurance
Compare appliance insurance quotes.
How does appliance insurance work?
It covers appliances against certain mechanical or electrical breakdowns and, on some policies, accidental damage.
After you claim, the insurer will usually arrange an engineer or decide whether to repair, replace or offer cash or vouchers, depending on the condition of the appliance and what it says in your policy.
You can cover one appliance or several under a multi-appliance policy, which can sometimes reduce the total cost-per-item of cover.
Which appliances can I cover?
Most providers will allow you to insure any or all of the following appliances:
-
Laundry appliances
Washing machines, washer-dryers and tumble dryers
-
Cooling appliances
Fridges, freezers, fridge-freezers and wine coolers
-
Cooking appliances
Ovens, cookers, hobs, microwaves and air fryers
-
Dishwashers
Freestanding and integrated dishwashers used in your home
-
Kitchen equipment
Coffee machines, food processors, mixers and slow cookers
-
TV and home cinema
Televisions, soundbars, Blu-ray players and home cinema systems
-
Audio equipment
Hi-fi systems, smart speakers and digital radios
-
Personal appliances
Eligible hair dryers, stylers and other listed electrical items
-
Floor care
Vacuum cleaners, carpet cleaners and steam cleaners
Are my appliances eligible for cover?
Most insurers, including all on our comparison service with Protect Your Family, will require your appliance to meet certain conditions:
What does home appliance insurance cover?
While the specific level of cover you get will depend on your provider and policy, you can generally expect a good appliance insurance policy to offer the following:
-
What's covered by appliance insurance?
Mechanical breakdown, where an appliance stops working due to an internal fault
Electrical breakdown, including failures in wiring or internal components
Accidental damage, such as unexpected physical damage from everyday use
Engineer call-out, where a qualified technician is arranged to assess the issue
Replacement parts, if components need to be swapped to complete a repair
Repair labour, covering the cost of the engineer’s time and work
Repair of an eligible appliance, where the fault can be fixed within policy terms
Replacement or settlement, if the appliance cannot be repaired economically
-
What's not covered?
Existing faults, where the appliance was already not working before cover started
Appliances already damaged, including known issues at the point of purchase
Gradual deterioration, such as wear and tear over time rather than a sudden fault
Cosmetic scratches or dents, where appearance is affected but function is not
Misuse or neglect, including using the appliance outside its intended purpose
Unauthorised repairs, where work is carried out without the provider’s approval
Loss, theft, fire or flood, which are typically covered under contents insurance instead
Is appliance insurance worth it?
Appliance insurance may be worthwhile if repairing or replacing an essential appliance would put pressure on your finances. However, it may offer less value if your appliances are inexpensive, still protected elsewhere or affordable to replace from savings.
-
It may be worth considering if
You rely heavily on essential appliances
Several appliances are outside warranty
A sudden repair bill would be difficult to absorb
Your appliances are valuable enough to justify the cost
You prefer predictable monthly or annual costs
You want access to an organised repair service
-
You may not need it if
The appliance is still guaranteed
The retailer is still responsible for a fault
Your current insurance provides enough cover
The item is inexpensive to replace
The excess is close to the likely repair cost
The potential premiums are higher than its replacement cost
Are my appliances already covered?
Before you take out an appliance insurance policy, you should check to see if your appliances are already protected by any of the following:
-
Manufacturer guarantee
A new appliance may still be protected by its original guarantee.
-
Extended warranty
You may already have paid for longer protection from the retailer or manufacturer.
-
Consumer rights
The retailer may have to repair or replace goods that were faulty when sold.
-
Credit-card protection
Section 75 may help with qualifying purchases when the retailer has breached its contract.
-
Contents insurance
This may cover appliances against events such as theft, fire or flood, but not ordinary breakdown.
-
Landlord responsibility
If the appliance came with a rented home, check your tenancy agreement.
What's the difference between appliance insurance, extended warranties and contents insurance?
It's useful to compare appliance insurance with extended warranties and contents insurance to understand what each is for and how they can help cover your appliances.
Appliance insurance | Extended warranty | Contents insurance | |
|---|---|---|---|
Main purpose | Repairing named appliances after covered breakdown or damage | Extending protection for a purchased appliance | Protecting household belongings against insured events |
Appliances | One or several eligible items | Usually one purchased item | Most household contents |
Mechanical breakdown | Commonly included | Commonly included | Usually excluded |
Accidental damage | May be included | Varies | Usually optional or policy-dependent |
Theft, fire and flood | Usually excluded | Usually excluded | Commonly covered |
How you buy | Separately from an insurer or broker | Through a retailer, manufacturer or warranty provider | As a household contents policy |
Claims contribution | Excess may apply | Terms vary | Excess normally applies |
Best suited to | Out-of-warranty eligible appliances | Extending protection on one purchase | Broader household items |
Should I cover one appliance or several?
-
Single-appliance cover
This might suit an expensive or essential item that would be difficult to repair or replace.
-
Multi-appliance cover
This keeps several appliances under one policy and may reduce the average cost per item.
How much does appliance insurance cost?
Appliance insurance costs can vary depending on the number of items you want to cover, their age and value, and the level of protection you choose. As a general guide, policies for a single appliance may start from around £4 to £8 per month, while covering multiple appliances could range from approximately £10 to £25 per month.
Higher-value or older appliances, as well as policies with lower excesses or broader cover, may increase the price. It’s important to compare quotes carefully, as the cheapest option may not always provide the level of protection you need.
Average appliance engineer call-out fee
£105^
What affects the cost of appliance insurance?
The price you might pay for appliance insurance will depend on a few different factors, including:
-
Number of appliances
More items raise the total cost, but the average per item may fall
-
Appliance value
More expensive items can cost more to repair or replace
-
Appliance age
Older eligible appliances may present a greater breakdown risk
-
Type of appliance
Repair complexity and parts costs differ between appliances
-
Level of cover
Broader protection or higher limits can increase the premium
-
Excess
A higher excess may lower your price but be sure you can afford it
-
Claims limits
Higher per-item or annual limits may affect the total cost
-
Payment option
Paying annually up-front often works out cheaper than monthly
How much could appliance repairs cost?
The cost of repairing or replacing a home appliance can vary hugely, depending on factors like the appliance, the issue or damage. However, these ballpark average figures from Checkatrade
Appliance | Ballpark average repair costs |
|---|---|
Dishwasher | £200 |
Fridge | £150 |
Tumble dryer | £150 |
Oven | £130 |
Washing machine | £125 |
Engineer call-out | £105 |
Our expert says…
Before buying appliance insurance, you should have a look at your warranty, contents insurance and consumer rights, then balance the annual premiums and excess you might pay with the likely cost of repairing or replacing your appliance. Appliance repairs can range from £50 to £400
^ , with call-out fees typically £60 to £150^ , so think about cover limits, exclusions and repair services rather than just the price alone.
Sara Newell Motor & Home Insurance Expert
What should I look for in an appliance insurance policy?
-
Eligible appliances
Make sure every item you want to protect is accepted
-
Breakdown cover
Check how mechanical and electrical failure are defined
-
Accidental damage
Confirm which unexpected incidents qualify and which are excluded
-
Waiting period
Find out how long you must wait before making a claim
-
Excess
Check how much you contribute to each repair or replacement
-
Claim limits
Review limits per claim, appliance, policy year and replacement
-
Call-out charges
Check whether engineer visits and no-fault call-outs are covered
-
Replacement terms
See whether settlement is new-for-old, like-for-like, cash or a contribution
-
Repair service
Compare engineer availability, response targets and repair guarantees
What do I need to get a quote?
To get an appliance insurance quote, you’ll need to provide some basic details about each item you want to cover - this helps the provider assess eligibility and calculate an accurate price.
You’ll typically be asked for:
Appliance type
Brand
Original purchase price
Purchase date
Current warranty status
Proof of purchase
How do I compare appliance insurance?
How do I make a claim on my appliance insurance?
While the claims process can vary between providers and cover types, here's what you'll generally need to do to claim.
1) Check your cover and eligibility
Before making a claim, check your policy documents to confirm that the appliance and fault are covered. Look for key details such as the type of breakdown or damage, any applicable waiting period, your excess, and the claim limits, as this helps avoid delays or rejected claims.
2) Gather your information
Prepare everything you may need to support your claim, such as your policy number, proof of purchase, appliance details (such as brand and model), and a clear description of the fault or issue. Having this ready can speed up the process.
3) Contact your provider
Get in touch with your insurer or warranty provider using their claims line or online portal, explain the issue and provide the requested information. The provider will confirm whether the claim can proceed and outline the next steps.
4) Assessment and engineer visit
If your claim is accepted, the provider may arrange for a qualified engineer to inspect the appliance - they'll diagnose the fault and determine whether it can be repaired. In some cases, remote troubleshooting may be attempted first.
5) Repair or replacement
Based on the assessment, the provider will decide whether to repair the appliance, replace it, or offer a settlement. This will depend on the policy terms, the cost of repair, and the availability of parts.
What are the alternatives to appliance insurance?
-
Product support
Use an existing guarantee or exercise your consumer rights where applicable.
-
Extended warranty
Buy longer protection for a specific appliance.
-
Emergency savings
Put money aside and pay for repairs or replacement yourself.
-
Contents insurance
Protect appliances against insured events such as fire, theft or flooding.
Can I insure an appliance that is already broken?
No - appliances must be working and free from existing faults or damage when you take out cover. A new policy will not pay for a problem that has already developed.
Can I insure an appliance over 10 years old?
Not through our current comparison journey, which only provides quotes for appliances purchased less than 10 years ago. Age limits can differ between providers.
Can I insure a second-hand or refurbished appliance?
Not through our current comparison journey. Your appliance must have been bought new in the UK, and you will need proof of purchase.
Does appliance insurance cover wear and tear?
Wear and tear is usually excluded. A sudden covered mechanical or electrical fault may qualify, but gradual deterioration, corrosion and routine maintenance normally will not.
Will my appliance be repaired or replaced?
The provider may arrange a repair first, but if the appliance cannot be repaired economically, it may offer a replacement or another settlement subject to the policy’s limits and terms.
How soon can I claim after buying appliance insurance?
Some policies have an initial waiting or no-claims period - have a look through any policy documents before buying, as its length varies and existing faults will still be excluded.
Do I have to pay an excess when I claim?
It depends on the policy - some providers charge an excess towards each repair or replacement, so check the amount and whether it varies by appliance or claim type.
What happens if an engineer cannot find a fault?
The call-out may not be covered if the engineer finds no insured fault, so check if your policy charges for no-fault visits before arranging an appointment.
How does MoneySuperMarket create and review the content on its website?
At MoneySuperMarket, we want to give you clear, accurate and trustworthy information so you can make confident financial decisions for your circumstances.
Every page on our website goes through a careful editorial process before it is published. It’s written or reviewed by one of our experienced experts, checked for accuracy, and updated regularly to reflect the latest information.
We do use AI tools to support our research and drafting, but a human editor is always in the loop to review, fact-check and approve everything before it’s published, so you can trust that what you’re reading is both reliable and up to date.
You can read more in our editorial guidelines.
How does MoneySuperMarket make money?
We get paid by the companies we work with, but the payment we get doesn’t have any bearing on the information we provide. We get paid in different ways, depending on the type of product or service you buy through us. Our goal is to search deals from as wide a range of companies as possible, but we only show results from our partner providers.
Our comparison service is, and will always be, free to use.
Why should I use a price comparison website?
One of the best ways to get the lowest prices and best deals is to compare quotes from different companies. We do the work for you, comparing quotes side-by-side and giving you all the information you need so you can choose the right deal for your needs and your wallet.
We don’t give recommendations or financial advice, but we give you clear information so you can choose financial products that suit your circumstances.
Does MoneySuperMarket work with all the providers on the market?
No, not every company can be included in our service. This is because some companies don’t want their products included on comparison sites, and some decide that they would rather not pay a fee. There are also a few smaller providers who can struggle to cope with the volume of customers that can find their products if they appear on MoneySuperMarket.
Our goal is to search deals from as wide a range of companies as possible so that you can choose the deal that suits you.
Is appliance insurance eligible for SuperSaveClub and rewards?
No, at this time appliance insurance is not an eligible product for unlocking our SuperSaveClub rewards. It is also not included in our Price Promise.
Reviewed on 10 Aug 2026 by
YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from “Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).
Data from Checkatrade.com Appliance Repair Cost estimates https://www.checkatrade.com/blog/cost-guides/appliance-repair-cost/, July 2026
How much does appliance repair cost in 2026? July 2026, https://www.checkatrade.com/blog/cost-guides/appliance-repair-cost/
How much does appliance repair cost in 2026? July 2026, https://www.checkatrade.com/blog/cost-guides/appliance-repair-cost/
How much does appliance repair cost in 2026? July 2026, https://www.checkatrade.com/blog/cost-guides/appliance-repair-cost/
How much does appliance repair cost in 2026? July 2026, https://www.checkatrade.com/blog/cost-guides/appliance-repair-cost/
How much does appliance repair cost in 2026? July 2026, https://www.checkatrade.com/blog/cost-guides/appliance-repair-cost/
How much does appliance repair cost in 2026? July 2026, https://www.checkatrade.com/blog/cost-guides/appliance-repair-cost/
How much does appliance repair cost in 2026? July 2026, https://www.checkatrade.com/blog/cost-guides/appliance-repair-cost/
How much does appliance repair cost in 2026? July 2026, https://www.checkatrade.com/blog/cost-guides/appliance-repair-cost/
Based on the 10th percentile of monthly premiums our customers were quoted per month for dog insurance based on quotes created on MoneySuperMarket between May 2026 and July 2026 where only 1 pet was included in the quote.
