Domestic Appliances: What's Covered By Insurance?

Domestic appliance insurance is a type of cover that offers peace of mind if something goes wrong with your appliances. It bridges the gap between a manufacturer's warranty, which tends to last a year, and contents insurance, which doesn't cover repairs from general wear and tear. For a fixed monthly or annual fee, you can insure your domestic appliances against breakdowns, with cover for the cost of repairs, call-out charges, parts, and emergency replacements.

Home appliance insurance policies typically cover essential appliances such as fridges, freezers, washing machines, dishwashers, ovens, hobs, hoods, microwaves, cookers. Some policies also include TVs and other electronics, but these are usually covered under gadget insurance.

Most appliance insurers can only cover appliances up to a certain age, usually around 8 years old, due to the higher likelihood of them breaking down. Domestic appliance insurance is especially useful for older, out-of-warranty appliances that are expensive to replace.

Home appliance insurance is not a legal requirement, and it may not be necessary if your appliances are already covered under contents insurance or an extended warranty. However, it can provide convenience and savings by offering quick repairs or replacements, preventing you from having to go without essential appliances for extended periods.

Fridges and freezers

Kitchen appliance insurance covers the cost of repairing or replacing appliances that break down due to mechanical or electrical faults. This includes fridges and freezers, which are prone to wear and tear over time. The insurance can cover the cost of repairs, call-out charges, parts, and emergency replacements.

Fridge and freezer insurance is particularly useful if your appliances are no longer under warranty. A manufacturer's warranty usually only covers the first year of an appliance's life, and problems often occur outside of this period. Older appliances are more likely to need repairs, and these can be costly. Insurance can help to cover these expenses and give you peace of mind that you won't be left without essential appliances for long periods.

When taking out insurance for your fridge and freezer, it is important to check the details of the policy. For example, some policies may not cover appliances over a certain age, and there may be limits on the number of claims you can make or the maximum payout value. It is also worth noting that food spoilage due to appliance breakdowns may be covered by your home contents insurance, but this is separate from appliance insurance.

Ovens, hobs, hoods, microwaves, and cookers

When it comes to insurance, these appliances can be covered under domestic appliance insurance or home appliance insurance. This type of insurance is designed to bridge the gap between the manufacturer's warranty, which usually only lasts a year, and contents insurance, which may not cover repairs due to general wear and tear.

Domestic appliance insurance can offer peace of mind by covering the cost of repairs, call-out charges, appliance parts, and emergency replacements. It is worth noting that not all policies will cover accidental damage or theft, as these may be covered by contents insurance.

When considering domestic appliance insurance for ovens, hobs, hoods, microwaves, and cookers, it is important to check the specifics of the policy. Adequate coverage is crucial, so ensure that all the desired appliances are included in the policy. Check for any limits on the number of appliances covered, their age, the number of claims allowed, and the maximum payout value per claim.

Additionally, look for insurance providers that offer a 24/7 helpline and aim to send a contractor within 24-48 hours. It is also essential to compare prices and choose a policy with transparency and a good reputation for customer service.

Home appliance insurance can be a convenient and cost-effective way to protect your ovens, hobs, hoods, microwaves, and cookers, ensuring quick repairs or replacements when issues arise.

Washing machines

Domestic appliance insurance is designed to bridge the gap between a manufacturer's warranty and contents insurance. While contents insurance covers appliances in the event of damage or theft, it does not cover the cost of repairs due to general wear and tear. Manufacturer warranties tend to only last a year, unless you pay for an extended warranty.

Home appliance insurance can be taken out on a range of appliances, including washing machines, to ensure that they can be fixed or replaced quickly. This type of insurance is particularly useful for older appliances that are out of warranty and would be expensive to replace.

Home appliance insurance policies vary, but they generally cover the cost of repairs, call-out charges, parts, and emergency replacements. Some policies also cover accidental damage and theft, but this is usually covered by contents insurance.

When choosing a home appliance insurance policy, it is important to check how many appliances are covered, whether there is a limit to the age of appliances, the number of claims that can be made, and whether there is a maximum payout value for a single claim. It is also worth looking for a policy with a 24/7 helpline and a quick call-out number.

Home appliance insurance is a good option for those who want to avoid the inconvenience and unexpected costs of repairing or replacing appliances.

Dishwashers

A dishwasher is a domestic appliance. Domestic appliances are those that are used in the home, and a dishwasher fits this description.

Domestic appliances, including dishwashers, are often covered by home insurance policies in the event of damage or theft. However, standard contents insurance may not cover the cost of repairs or replacement parts for appliances that break down due to general wear and tear. This is where domestic appliance insurance comes in.

Domestic appliance insurance, also known as home appliance insurance or kitchen appliance cover, is designed to bridge the gap between the manufacturer's warranty and contents insurance. It provides peace of mind that if a covered appliance breaks down, you can get it repaired or replaced quickly without incurring a large expense.

When considering dishwasher-specific insurance, it is important to note the differences between commercial and domestic dishwashers. Commercial dishwashers are designed for use in restaurants, bars, and cafes, and they operate at higher temperatures to sanitise dishes and handle heavier use. Domestic dishwashers, on the other hand, are typically made with plastic and painted metal, have lower capacities, and take longer to complete a cycle.

While domestic appliance insurance can be beneficial, it is important to carefully review the policy details, including the covered appliances, their age and number, the claims process, and the reputation of the insurance provider.

TVs

Home appliance insurance is especially useful for older appliances that are no longer covered by a warranty. It can also help avoid unexpected costs, as your appliances will be repaired or replaced as part of the cover. Most home appliance insurance companies will include the cost of replacement if your appliance cannot be fixed.

TV insurance can cover a range of issues, including mechanical or electrical breakdowns, accidental damage, and theft. It is important to note that there are some exclusions to TV insurance coverage, such as normal wear and tear, manufacturing defects, and unauthorised repairs. Additionally, TVs that are more than a year old may not be covered by insurance, as the policy usually needs to be taken within the first year of purchase.

When considering TV insurance, it is important to read the fine print and understand the terms and conditions of the policy, including any exclusions and limitations. It is also worth comparing different insurance providers to find the best coverage for your needs.

Frequently asked questions