Appliance Insurance

Protect the appliances that you can’t do without

If you can find the same cover level at a lower price elsewhere we will match it up to 14 days after your purchase date. Just let us know the insurance provider, the cover level and price. Once verified we will refund the difference. Please email the following address with the details to enquiries@smart-cover.co.uk.

Why should I cover my appliances?

Appliance repairs and replacements can prove costly which is why it is in your interest to get protected with a Smart Cover insurance policy. When your washing machine breaks down or your dishwasher stops working, the last thing you want to do is to fork out money for a repair or a replacement and make already stressful situation worse. Avoid this hassle altogether and put your mind at ease with Smart Cover’s wide-range of appliance insurance plans.

Why choose Smart Cover?

At Smart Cover, we offer protection for a wide-range of appliance types and manufacturers. We consistently provide competitively-priced appliance cover complimented by award-winning service to customers throughout the United Kingdom.

After taking out a policy with us, you can relax with the knowledge that your chosen appliances are protected and that if something were to happen, our emergency helpline is just a phone call away. If your appliance breaks down or stops working as a result of an accident, we will send an experienced engineer from our UK-wide network of tradesmen straight to your doorstep. Our experienced engineers will attempt to fix your appliance but if they deem it beyond economic repair, you will be provided for a like-for-like replacement.

  • Qualified and experienced engineer
  • Nation-wide cover
  • Like-for-like replacement

Benefits of our cover

  • Expert claim handling team
  • UK based customer service
  • Like for like replacement if non-repairable
  • Up to £500 claim limit per claim
  • Fast claim settlement service
  • Unlimited number of repairs

When shopping around for appliance cover it may be possible to compare several different features. The monthly cost of the insurance is typically the amount paid in premiums each month. In some cases, it may be possible to save money by paying the full annual amount in an up-front lump sum.

The cover will provide you with an unlimited number of claims and if the item is deemed beyond economical repair you will be provided with a like-for-like replacement. You can cover an unlimited number of items should you choose to do so. If you require or have multiple items to insure please do refer to our website for any discounts that may be available. Under our appliance policy, you will not be charged for any labour costs or replacement of parts.

  • Fast claim settlement
  • Up to £500 claim limit per claim
  • Mechanical breakdown
  • Electrical breakdown
  • Accidental damage (Excluding Televisions)
  • Any pre-existing faults
  • Routine maintenance
  • Manufacturer’s defect
  • Deliberate damage
  • Any appliance over 10 years old at inception
  • Pre-owned or second-hand items
  • Delivery, installation and removal of faulty appliance

Frequently asked questions

Appliance insurance protects the appliances that you can’t do without!
In the event of a breakdown, having appliance insurance will safeguard your electrical, domestic and household appliances including: your cooker, dishwasher, oven, fridge freezer, washing machine and more.

Our home appliances assist us all in carrying out our essential household functions such as cooking, cleaning and food preservation. Thus, being protected by Smart-Cover’s appliance insurance will mean that you do not have to go without your fridge freezer, washing machine or cooker for long periods of time whilst waiting for them to be fixed, or until you purchase a new one.

Appliance repairs and replacements can be costly and stressful which is why it is in your best interest to be protected. When your tumble dryer breaks down or your cooker stops working, the last thing you want is an expensive bill for a repair or a replacement. You can opt to steer clear of this hassle with Smart Cover’s wide-range of appliance insurance plans.

Kitchen appliance insurance covers your appliances which can be found in the kitchen including, your fridge freezer, cooker, washing machine, tumble dryer, dishwasher, oven, washer dryer and hob and hood.

Smart-Cover’s flexible home appliance insurance cover enables you to choose which household appliances are most important to you that you wish to protect. We cover your appliances which can be found in the kitchen in the event of mechanical breakdown, electrical breakdown and accidental damage. (Accidental damage excludes televisions).

You can insure as many appliances as you like under one policy. Thus, the number of items you choose to cover is unlimited.

At Smart Cover, we offer protection for a broad-range of appliance types and manufacturers. You can insure an unlimited number of your appliances within your household. The choice is yours!

The age limit for appliances is 10 years old. Any appliances over 10 years old at inception, pre-owned, pre-existing faults or second-hand items will not be covered.

Yes, it is required that you provide proof of purchase for every appliance you insure with us

If your appliance does not appear on our website and in doubt, please get in touch via phone, live chat or email and our team will gladly assist you.

You can claim by reporting any fault to us by calling us on 03333 449 559, using our live online chat or by sending us an email. Our helpful and friendly team can be reached over the phone anytime between 9am and 7pm on weekdays and from 10am-4pm on Saturdays. Subject to the age of the appliance and policy terms there may be an excess fee applicable.

Should there ever be an occasion that you are not satisfied with the service we provided and feel that we did not honour our commitments made to you, we will do everything we can to deal with the situation quickly and fairly. If you feel that we failed to deliver our promise made to you, you can complain by simply giving us a call on 03333 449 559 or email us at enquiries@smart-cover.co.uk. Alternatively, you can write to us and we will ensure that your complaint is dealt with promptly. Please see our address below:

Smart Cover
1st Floor, 3-5 Rickmansworth Road
Watford
WD18 0GX

In the unfortunate event that you are dissatisfied with our decision, or if we do not conclude our investigation within 8 weeks, you may refer your complaint to the Financial Ombudsman Service (FOS). You can either telephone them on 0800 023 4 567 or write to them. Their address is:

Financial Ombudsman Service
Exchange Tower
London E14 9SR

If your appliance stops working as a result of an unforeseen event, we will send an experienced engineer from our UK-wide network straight to your doorstep. Our trusted engineers will do the best they can to fix your appliance but if the item is deemed beyond economical repair you will be provided with a like-for-like replacement.

Our fridge/freezer insurance cover protects you in the event of a breakdown including mechanical and electrical issues as well as accidental damage. The contents within your freezer or fridge/freezer are not covered with appliance insurance.

Our experienced engineers will attempt to fix your fridge in the result of a mechanical or electrical breakdown and accidental damage. However, if they deem your fridge beyond repair you will be provided with a like-for-like replacement fridge.

Our price match promise on appliance insurance means that if you can find the same cover level at a lower price elsewhere we will match it up to 14 days after your purchase date, subject to terms and conditions. You just need to inform us of the insurance provider, the cover level and price. In the event of this scenario, please email the details to enquiries@smart-cover.co.uk. Once verified we will simply refund the difference.

Appliance Brands

Help
& Support

How we help you

  • You can report any fault to us by calling us on 03333 449 559, using our live online chat or even by sending us an email. You can reach us over the phone between 9am and 7pm on weekdays and from 10am-4pm on Saturdays.
  • Our Priority Helpline will try to resolve or diagnose the problem within hours and wherever possible, we will try to talk you through a solution instantly.