Cooker Insurance
That Works When Yours Doesn't
From a faulty element to a complete breakdown, Smart Cover sends a qualified engineer to your door, fast. Cooker insurance cover is priced per appliance, with a price match promise and no hidden fees.
- Mechanical & electrical breakdown
- Accidental damage cover
- Like-for-like replacement
- Multi-appliance discounts up to 30%
- Cancel any time
FCA-authorised provider · No long-term lock-in
Cooker insurance cover helps pay for repairing or replacing your cooker if it suffers a mechanical breakdown, electrical breakdown or accidental damage, up to £500 per claim. If your cooker can't be economically repaired, Smart Cover contributes towards a like-for-like replacement based on its original specification, with engineers from a UK-wide network and multi-appliance discounts of up to 30% .
Cover more, save more.
Discount applies automatically at checkout.
Choose your Appliance
Cooker
Dishwasher
Oven
Hob
Hood
Microwave
- Fast Claim Settlement
- Up to £500 Claim Limit Per Claim
- Mechanical Breakdown
- Electrical Breakdown
- Accidental Damage
- Any Pre-Existing Faults
- Routine Maintenance
- Manufacturer’s Defect
- Deliberate Damage
- Pre-Owned Or Second-Hand Items
- Delivery, Installation And Removal Of Faulty Appliance
Important Documents
Add to cart
Your cart is empty. Start adding appliances to get a quote.
Cover More, Pay Less
Add more appliances to your policy and save automatically at checkout. Perfect for protecting your whole kitchen.
5 appliances for the price of 4
Protect 5 appliances for just £23.99/month, that's one cover free. Ends 21 October 2026.
Discounts apply automatically at checkout. Pay monthly or annually. Prices include all relevant taxes; terms and conditions apply.
What's covered and what's not
What's covered
- Mechanical breakdown of your cooker
- Electrical breakdown
- Accidental damage
- Parts and labour included
- Fast claim settlement
- Like-for-like replacement if beyond economical repair*
What's not covered
- Any pre-existing faults
- Routine maintenance (cleaning, descaling, servicing)
- Manufacturer's defect (covered by warranty or recall)
- Deliberate damage or misuse
- Pre-owned or second-hand cookers
- Delivery, installation and removal of a replacement unit
*Like-for-like replacement is based on the specification of your original cooker and is subject to its age at policy inception. Full details are in your policy terms and IPID.
The cooker parts cover protects
When one of these fails through a covered breakdown, an engineer can repair or replace the part, subject to your policy terms.
Heating elements
Heats the hob rings or oven cavity. A worn element means cold spots or no heat at all.
Thermostats
Regulate oven and hob temperature. A faulty thermostat causes uneven or incorrect cooking.
Ignition system
Lights the gas burners or oven. A broken ignition system stops the cooker starting.
Control panel (PCB)
Runs the dials and display. Faults here can trigger error codes or an unresponsive panel.
Door seals & hinges
Keep heat inside the oven. A worn seal or hinge lets heat escape and slows cooking.
Burners & hob rings
The rings or burners that heat your pans. A failure here leaves a ring that won't heat.
Cooker faults we can help with
These are the breakdowns UK households search for most. If a covered fault causes any of these, an engineer can diagnose it.
Won't heat up
A failed heating element or thermostat can leave the oven or a hob ring cold.
Ignition won't light
A faulty ignition system can stop a gas burner or oven from lighting.
Uneven cooking
A thermostat or element fault can cause hot spots or inconsistent temperatures.
Door won't seal
A worn door seal lets heat escape, leading to longer or uneven cooking times.
Control panel fault
A display or dial that won't respond usually points to a control board fault.
Trips the power or shows an error
An electrical fault can trip your circuit or throw an error code on the display.
What a cooker repair can cost
Most faults appear once the manufacturer's guarantee has ended, right when the bill lands on you.
Typical repair & replacement costs
A typical UK cooker engineer call-out, before parts are included.
The cost of a mid-range freestanding cooker if yours can't be economically repaired.
What cover gives you
Per claim towards repair or a like-for-like replacement, spreading the risk into an affordable regular payment instead of a large one-off bill.
Get your quoteCost figures are typical UK ranges for general guidance and will vary by machine, fault, brand and location.
Simple ways to prevent breakdowns
A little care keeps your cooker running well and helps avoid the faults that lead to a claim.
Wipe up spills promptly
Spilled food left to burn on can damage burners, rings and the oven cavity over time.
Keep burners and rings clean
A build-up of grease or food debris can stop a burner or ring heating evenly.
Check the door seal
A clean, undamaged door seal keeps heat in and helps the oven cook efficiently.
Don't slam the door
Slamming the oven door can loosen hinges and damage the seal over time.
Use undamaged cookware
Warped or damaged pans can scratch hob surfaces or heat unevenly.
Book a gas safety check
For gas cookers, an annual safety check helps catch issues before they become breakdowns.
Want the full routine? Read our guide on the best ways to keep your kitchen appliances safe.
Cover your whole kitchen
Add your oven , hob & hood or dishwasher to the same policy and unlock a multi-appliance discount of up to 30%.
Why cover your cooker with Smart Cover
Price Match Promise
Find the same level of cover cheaper elsewhere and we'll match it within 14 days.
UK-based support
A UK customer service team available weekdays and Saturdays for queries and claims.
Fast claim settlement
We aim to get an engineer to you quickly when your cooker breaks down.
FCA-authorised provider
An appointed representative, authorised and regulated by the Financial Conduct Authority.
Multi-appliance savings
Cover 3+ appliances for 20% off, 5+ for 25% off, or 7+ for 30% off, applied automatically.
How a cooker claim works
Report a fault by phone, live chat or email, and we'll take it from there.
Get covered
Choose your cooker, select your plan, and get instant cover. Monthly or annual billing, cancel any time.
Report the fault
Call 03333 449 559, use live chat or email us to report the breakdown.
Engineer visit
A vetted engineer from our UK-wide network visits your home to diagnose and repair the fault.
Fixed or replaced
We repair your cooker using quality parts. If beyond economical repair, we contribute towards a like-for-like replacement.
Claims team available 9am-6pm weekdays and 10am-4pm Saturdays. An excess may apply depending on the machine's age and policy terms.
We cover the brands in your home
From everyday makes to premium names, cover for a broad range of cooker manufacturers.
Award-winning cover for UK homes
An FCA-authorised provider of home emergency and appliance insurance, protecting UK homes since 2013 and winner of the 2019 Broker Innovation Award.
Flexible cover
Cover just your cooker, or add more appliances for a bigger discount.
Price Match Promise
Find the same level of cover cheaper elsewhere? We'll match it within 14 days, no questions asked.
Rated "Excellent"
Trusted by thousands of UK households, with strong independent reviews.
Speak to a cover expert
Not sure which cover is right for you? Our insurance experts are happy to explain the policy, walk through benefits and exclusions, and help you find the plan that suits your home.
- UK-wide engineer network
- Up to £500 per claim per appliance
- Multi-appliance discounts up to 30%
Everything You Need to Know About Cooker Insurance in the UK
What Is Cooker Insurance?
Cooker insurance, sometimes called cooker breakdown cover or cooker protection, is a specialist appliance insurance policy that covers the cost of repairing or replacing your cooker when it breaks down unexpectedly. Unlike home contents insurance, which may exclude mechanical breakdown, cooker insurance is specifically designed to protect you against the repair costs that come with everyday appliance faults.
A Smart Cover cooker insurance policy covers freestanding cookers, range cookers, dual-fuel cookers, and built-in oven and hob combinations, depending on the appliance type selected at the time of purchase.
Is Cooker Insurance Worth It?
Yes, for most UK households, cooker insurance offers strong value. Here's why:
- The average engineer call-out for a cooker repair in the UK costs £80–£150, before parts are included.
- Replacing a mid-range freestanding cooker typically costs £350–£700.
- Cooker insurance cover is priced per appliance by age and value, with multi-appliance discounts, so it can save you hundreds of pounds against a single repair bill.
- Once a cooker is out of its manufacturer's warranty (usually 1–2 years), you are fully exposed to repair costs unless you have specialist cover.
For households that cook daily, a broken cooker is a genuine emergency. Cooker insurance from Smart Cover means you'll never be left waiting weeks for a repair you can't afford.
What Types of Cooker Are Covered?
Smart Cover insures a wide range of cooker types available in the UK market, including:
- Freestanding electric cookers: the most common type in UK homes
- Freestanding gas cookers: popular in homes with a gas supply
- Range cookers: larger multi-burner models from brands such as Rangemaster and Smeg
- Dual-fuel cookers: gas hob with electric oven
- Built-in ovens: covered under Smart Cover's separate oven insurance policy
How Long Does a Cooker Typically Last?
On average, a UK household cooker lasts between 10 and 15 years, depending on usage, brand, and maintenance. Gas cookers generally have a slightly longer lifespan than electric models. The most common faults that develop after the first 3–5 years include worn heating elements, faulty thermostats, broken ignition systems, and damaged door seals. Cooker insurance is most valuable during the mid-life period of an appliance, when breakdowns become more likely but a full replacement is still avoidable.
Cooker Insurance vs. Home Contents Insurance
Most standard home contents insurance policies cover accidental damage only, not mechanical or electrical breakdown. This means if your cooker breaks down due to a faulty element, a blown fuse board, or a thermostat failure, your home insurance will not pay out. Specialist cooker insurance from Smart Cover fills this gap, covering mechanical and electrical breakdown as well as accidental damage under a single policy.
Cooker Insurance for Landlords
Landlords in England, Scotland, and Wales are legally required to ensure that all gas appliances in rental properties are safe and maintained. Smart Cover's appliance insurance is available for landlord properties, helping protect against unexpected repair costs and ensuring tenants always have access to a working cooker. For broader landlord property protection, Smart Cover also offers dedicated Landlord Cover.
Related Cover
Key Policy Documents
Ready to protect your cooker? Get a quote in under 2 minutes.
Get a QuoteFrequently asked questions
What does cooker insurance cover?
Smart Cover cooker insurance covers mechanical breakdown, electrical breakdown, and accidental damage to your freestanding or built-in cooker. This includes faults with heating elements, thermostats, control panels, and ignition systems. It does not cover pre-existing faults, cosmetic damage, or routine maintenance.
How much does cooker insurance cost with Smart Cover?
Cooker insurance cover is priced per appliance based on the brand, age, and value of your cooker. Covering 3 or more appliances on one policy earns a 20% discount, 5+ appliances 25% off, and 7+ appliances 30% off, applied automatically at checkout.
Is cooker insurance worth it in the UK?
Yes. A single engineer call-out in the UK typically costs £80 to £150 before parts, and replacing a mid-range cooker costs £350 to £700. Spreading that risk into a regular payment can be significantly cheaper than paying for repairs out of pocket, especially once your manufacturer's warranty expires.
Can I insure an old cooker?
Yes. Smart Cover can insure cookers up to 10 years old. For older appliances, cover may be limited to repair-only or a reduced contribution towards replacement, depending on the age of the appliance at policy inception. Pre-owned or second-hand cookers are not eligible for cover.
Does cooker insurance cover range cookers?
Yes. Smart Cover's cooker insurance covers freestanding cookers, range cookers, and dual-fuel models from major UK brands including AEG, Beko, Bosch, Hotpoint, Indesit, LG, Samsung, Smeg, Rangemaster, and Zanussi.
What is the claim limit for cooker insurance?
Smart Cover's cooker insurance has a claim limit of up to £500 per claim. If the repair cost exceeds this, or the appliance is deemed beyond economical repair, Smart Cover will contribute towards a like-for-like replacement based on the appliance's age and specification at the time the policy was taken out.
How do I make a cooker insurance claim?
You can make a claim by calling Smart Cover on 03333 449 559 (Mon-Fri 9am-6pm, Sat 10am-4pm), using the live online chat on our website, or emailing enquiries@smart-cover.co.uk. An experienced engineer from our UK-wide network will be arranged to visit your property.
Do I need proof of purchase to get cooker insurance?
Yes. Proof of purchase is required for each appliance you insure with Smart Cover. This is used to verify the age and original value of the cooker and ensures accurate cover at the time of any claim.
Can I cover multiple appliances on one policy?
Yes. You can insure an unlimited number of appliances under a single Smart Cover policy. The more appliances you add, the greater the discount: 20% off for 3+, 25% off for 5+, and 30% off for 7+ appliances, applied automatically at checkout.
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