Shop around using this comparison to find the best home appliance warranty at the cheapest price. Get as many online quotes as possible and compare the:
Monthly cost: This is how much you will pay for your cover, usually spread over 12 monthly payments. It could be cheaper to pay for cover up front in full, so contact insurers through their website to see if you could save money.
Maximum cover: This is the maximum value of a single appliance an insurer can cover, for example £1,000. Look for policies that can cover the value of your most expensive appliance.
Claims limits: This is the most an insurer will pay if you make a claim. This may be the same as the maximum item cover, but it could be less if a policy does not cover replacements. Check this comparison carefully to find the cover you need.
You should also check how many appliances each extended warranty can cover. Some provide unlimited cover, and others only offer cover if you insure two or more appliances.
You could also save money if you take out multi appliance cover. For example, you get a 5% discount for each appliance you add to your warranty.
It depends on the policy, but some insurers restrict claims to no more than 3 per year. Others offer unlimited cover, so check the policy documents for full details.
What cover can you get?
Most appliance insurance policies include cover for:
Parts, labour and call out charges
Each policy will have things it does not cover, like cosmetic damage or electrical white goods over a certain age. Check the policy documents once you have your quotes, to make sure you get the cover you need.
Is it worth the cost?
Work out how much your appliance would cost to replace. If it is less than the cost of an extended warranty, you could be wasting your money.
However, most policies include replacement cover if your appliance cannot be repaired. This could save you money if your appliance is not under the manufacturer's guarantee.
Appliance insurance FAQs
Do I need appliance insurance if I have a manufacturer's warranty?
No, your manufacturer's warranty will cover repairs if your appliance breaks down. Check your purchase documents before you buy appliance insurance.
Does appliance insurance cover call out charges?
Most policies cover call out charges if your appliance can be repaired. However, you should check the insurer's terms to avoid unexpected costs.
How long does a policy last?
Most policies last for 12 months, but you may have the option to take out cover for longer.
Can I get a multi appliance warranty?
Yes, and most insurers give you a discount for insuring several appliances on the same policy.
Does it matter how old my appliance is?
Yes, most policies do not cover appliances that are over 8 years old. This varies between insurers, so check before you take out a policy.
About our appliance insurance comparison
Who do we include in this comparison?
We include appliance warranty policies available from our panel of FCA regulated insurers and service plan providers. Here is more information about how our website works.
How do we make money from our comparison?
We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.
You do not pay any extra and the deal you get is not affected.