Home appliance insurance

Find out more about keeping your home appliances working and getting cover for when essential white goods break down.

Alice Morgan
Alice Morgan
Updated 6 December 2019  | 2 min read

What’s home appliance insurance?

Home appliance insurance, also known as white goods insurance, is extra protection for appliances like your fridge, freezer, washing machine, dishwasher and oven.

It offers a level of cover above what you'd receive with most home insurance policies and manufacturers warranties, helping you secure fast repair or replacement when faced with costly electrical or mechanical breakdowns.

Key points

  • Home appliance insurance can act as an extended warranty offering replacement and/or repair for your items
  • It covers electrical or mechanical failures, which aren’t usually covered by your home insurance
  • If you’re offered an extended warranty when you buy a product, it might not be the cheapest option

Why take out home appliance insurance?

Your kitchen appliances and electrical goods in your home might be some of the most expensive possessions you have, but they won’t be covered by your contents insurance in some circumstances.

If you have accidental damage cover with your home insurance it can offer some protection, but it often excludes things like mechanical failure or wear and tear.

When you buy an appliance, it’ll usually come with a manufacturer’s warranty that lasts about a year.

The warranty only covers manufacturer faults and you’ll have to pay more to extend it to cover more eventualities.

It can be quite expensive to take out extended warranties on your new appliances when you buy them.

Instead, standalone multi-appliance warranties are available which can work out better value and cover older appliances as well.

Coverage and exclusions

Dedicated home appliances policies can be for single items or cover lots of appliances under one policy.

What’s covered?

With specialist appliance policies, you’ll be covered for things like:

  • Breakdown
  • Cost of repairs and call out charges
  • Cost of appliance parts - although read your terms and conditions as some policies exclude this cost
  • Emergency replacement or repair of domestic appliances

What’s not covered?

You won’t be covered for accidental damage or theft with a home appliance insurance policy – although if you have contents insurance and accidental damage cover on your home insurance you’ll probably be able to make a claim on that policy instead.

Look out for limits on the age and value of individual items and on the number of call-outs with appliance cover policies.

Make sure that the brand that produced your appliance isn’t excluded (all major brands sold in the UK will be covered).

Cosmetic damage won’t be covered either, and there might be an exclusion where repair and labour are covered, but not the cost of the parts.

If you’re taking out insurance for an appliance you already own, look out for a no-claim period at the start of the policy - it means you're not covered for the time period specified, which can be a few days or weeks.

If you need a policy for multiple appliances, look out for limits placed on the number of items, for single-item limits and for maximum claim limits.

You could save up to £108 on your home insurance with[1]

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[1] Based on independent research by Consumer Intelligence during 01 May to 31 May: 51% of consumers could achieve a saving of up to £107.99 with buildings and contents insurance based on a comparison of 36 companies.

What types of appliances are covered?

All policies have different lists of electricals and white goods they can cover, but most include:

  • Cookers (oven and hob)
  • Microwaves
  • Fridges, freezers and fridge-freezers
  • Washing machines, tumble driers and washer-driers
  • Dishwashers
  • Televisions and digital TV boxes
  • Music systems
  • Games systems

If there are any restrictions, they’ll be in your policy documents.

Tenants and landlords

If you’re a tenant, you shouldn’t have to take out cover for appliances that have been provided by the landlord because it’s the landlord’s responsibility to repair or replace them if they break down.

If you’re a landlord, these policies are worth considering so your tenants get essential appliances repaired quickly if they breakdown - just make sure the policy you choose covers landlords.

Do I really need appliances cover?

That depends on whether your standard warranty covers everything you need it to, and how long it lasts. Some manufacturers will extend the lifetime of the warranty for free, if you register the sale with them.

Plus, you might find your contents insurance, including any accidental damage cover you have, is adequate.

You have rights as a consumer too. All goods should be of reasonable quality, do their intended job and last ‘a reasonable length of time’ - the length of that period will depend on things like the nature of the product and the purchase price.

You might be able to get help under Section 75 of the Consumer Credit Act if you used a credit card to pay too and some packaged bank accounts can also offer extended warranty cover.

But if that’s not enough protection, home appliance insurance is worth getting.

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[1] Based on independent research by Consumer Intelligence during 01 May to 31 May: 51% of consumers could achieve a saving of up to £107.99 with buildings and contents insurance based on a comparison of 36 companies.

Page last reviewed: 15 September 2021

Next review due: 15 December 2021

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