How to claim
You should contact your insurer as soon as you find a problem with your appliance. Some warranties specify a timeframe, like 24 hours or 10 days after you find the fault.
Call the claims number which will be listed in your policy documents. Most claims helplines are open 24 hours a day, 7 days a week.
Complete a claims form including full details of the break down. You may be able to do this online, or a claims adviser will email or post you a form.
Send supporting documents to your insurer. This may include receipts or proof of purchase, and photographs of the damage.
Your insurer will assess your claim and arrange for repairs or replacement to be carried out if your claim is accepted.
Check with your insurer how long the claims process takes. Some insurers can get a repairer to you within a few hours, but fixing your appliance may take weeks.
Most insurers ask for the original receipts from when you bought your appliance.
However, if you no longer have this, you could send a bank statement or credit card bill which shows how much you paid for your appliance.
What can you claim for?
It depends on your policy, but most extended warranties will pay out for:
Repairs, labour and call out charges
You cannot claim for damage caused by your appliance breaking down. For example, if your washing machine breaks and floods your kitchen, the cost of repairing the water damage is not covered. Check your documents for a full list of what you can claim for.
You should also check the claims limit of your policy, which is the most your insurer will pay for an appliance. For example, you may only be able to claim £500 for repairs.
When can you claim?
You usually have to wait 14 days after taking out cover to claim on a warranty.
This restriction also applies if you add a new appliance midway through your policy. For example, if you add a new fridge to an existing warranty, you cannot claim until after 14 days.
Does it cost to claim?
Yes, you have to pay an excess every time you claim on your warranty.
Your excess will be between £20 and £100, depending on the value of your appliance. The higher its value, the higher your excess will be.
You may be able to choose a higher voluntary excess, which could save you money on the overall cost of your cover. But avoid picking an excess that you could not afford to pay if you needed to claim.
How will your claim be paid?
Most appliance warranty claims are settled one of two ways:
Repair: If your appliance can be repaired, you will need to pay your policy excess to your insurer. They will then pay the cost of repairs direct to the engineer, subject to the claims limit.
Replacement: If it is not economic to repair your appliance, your insurer may pay you the full cost of replacing it with a similar model. This may only be on appliances under a certain age, e.g. less than 3 years old.
You should check with your insurer for full details about their claims process. They can tell you how your claims will be paid and how to pay your excess.
What if your claim is rejected?
If your insurer refuses to pay your claim, you should:
Check your policy documents, to see if the damage should be covered
Contact your insurer, and ask for a written explanation
Complain in writing
Contact the Financial Ombudsman Service if your complaint is not settled within 8 weeks