If your washing machine is no longer under the manufacturer's guarantee, an extended warranty could cover the cost of repairs if it breaks down.

But before you take out cover, you should check:

  • Are you covered elsewhere? If your washing machine is still under its manufacturer's guarantee, you do not need an extended warranty. You can also check to see if you are covered by your packaged bank account, or home insurance.

  • Is it worth the cost? If the price of a warranty is less than the cost of a new appliance, it may be worth taking out cover. Check the cost of replacing your washing machine with a similar model by searching online.

  • Can you get cover? This depends on the age of your washing machine, as most insurers are unable to cover appliances over 8 years old.

How to find the best cover

Shop around and get as many quotes as possible. This will help you compare:

  • Price: Most insurers let you split your premium over 12 monthly payments, although it may be cheaper to pay up front in full.

  • Claim limits: This is the most an insurer will pay for an engineer to repair your washing machine if it breaks down. Some insurers include replacement cover if your appliance cannot be fixed, so check the policy documents for details.

You should also compare what cover is included. For example, your insurer may not pay for call out charges or labour costs, which would mean you have to pay for this yourself.