What is appliance insurance?

Home appliance cover is a type of insurance policy that covers the cost of repairing your appliances once the manufacturer’s guarantee has expired. Also known as white goods insurance, it provides protection for appliances like your washing machine, dishwasher, oven, fridge and freezer.

Do I need household appliance insurance?

You might be questioning whether you need appliance insurance because most brand new appliances are protected by a warranty that tends to last at least a year. However, most appliances experience problems as they age. Household appliance insurance offers a higher level of cover than what you receive with most manufacturer’s warranties.

Is appliance insurance better than getting an extended warranty?

An extended warranty is provided by the manufacturer and offers you prolonged cover for a single appliance that you’re buying. You pay for it upfront when you purchase the appliance for an additional cost. There are some differences between the two, the main differences being that appliance insurance can be paid for monthly, can cover multiple appliances and can cover old appliances as well as brand new. So, if your appliances aren’t new, appliance insurance will be worth considering.

Aren’t my appliances covered under my home insurance policy?

Typically you will have some form of cover for your appliances under your home insurance policy. If you have a comprehensive contents insurance policy, you might not think separate appliance insurance is worth it. However, it offers a higher level of cover for your appliances than your home insurance policy would. For example, it covers mechanical failures which is often excluded from home insurance policies.

Which appliances can I insure and what does it cover?

You can take out a policy that covers just one appliance or multiple appliances. The appliances that you can cover varies from insurer to insurer, but most allow you to get cover for kitchen appliances such as dishwashers, ovens, fridges, freezers, hobs, microwaves and other electrical appliances including tvs, DVD players, games consoles and music systems.

Again, cover will vary depending on the insurer but most policies cover:

  • Cost of repairs, labour and parts
  • Call out charges
  • Accidental damage
  • Emergency replacement or repair of domestic appliances


  • What is excluded from home appliance insurance cover?

Common exclusions include:

    • Cosmetic damage that doesn’t impact the functionality of the appliance
    • Damage as a result of misuse
    • Any damage that happened before you purchased a policy
    • Appliances over a certain age
    • Wear and tear

    You should always read the policy documents thoroughly before you buy, so you know exactly what you can and can’t claim for.

    FAQs

    How many appliances can I cover?

    You can cover multiple appliances under one appliance insurance policy, making it easier for you to manage. The total amount of appliances you can cover will vary depending on the insurer.

    I rent, do I need appliance insurance?

    If you rent a furnished property or a property that includes white goods, you won’t need home appliance insurance. If anything breaks, your landlord is responsible for replacing or repairing it. However, if you supplied the appliances, you should consider taking out appliance insurance.

    Is there a limit to the amount of times I can claim?

    This depends on the insurance provider. Some allow you to claim an unlimited amount of times, but some do have restrictions in place. When comparing home appliance insurance, make sure you take this into consideration.

    Will my replacement appliances be brand new?

    Some insurers will replace policies on a ‘new for old’ basis. However, this might not apply every time, for example, some appliances will only be replaced with new ones if your appliance is under a certain age or the repair costs are more expensive than buying a brand new one.