Hob and Hood Insurance
Keep Your Kitchen Cooking
A broken hob stops meals. A failed extractor hood fills your kitchen with steam and odours. Smart Cover protects both against mechanical breakdown, electrical faults, and accidental damage, with a UK engineer on hand when you need one.
- Gas, electric, induction & ceramic hobs
- All extractor hood types covered
- Mechanical & electrical breakdown
- Accidental damage cover
- Multi-appliance discounts up to 30%
- Cancel anytime
FCA-authorised provider · No long-term lock-in
Hob and hood insurance covers your hob and extractor hood under two separate policies, one for each appliance, so a fault with one doesn't affect your cover on the other. Each policy carries its own £500 claim limit. Smart Cover repairs mechanical and electrical faults on gas, electric, induction and ceramic hobs, and on any type of extractor hood, and contributes towards a like-for-like replacement if repair isn't economical.
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.
What's covered and what's not
What's covered
- Mechanical breakdown: failed burners, drum motors, fan blades, impellers and moving internal parts on both hob and hood
- Electrical breakdown: control boards, wiring faults, heating elements, thermostats, ignition systems and touch sensors
- Accidental damage: unintentional physical damage that causes the appliance to malfunction or stop working
- Parts and labour: all approved replacement parts and engineer labour costs up to the £500 per claim limit
- Like-for-like replacement: if beyond economical repair, we contribute towards an equivalent replacement based on the appliance's age
- Fast claim handling: report by phone, live chat or email; UK-based team available Mon–Sat
What's not covered
- Pre-existing faults: any fault or damage present before the policy start date
- Routine maintenance: cleaning, grease filter replacement, carbon filter changes or general servicing
- Manufacturer defects: faults already covered under an active manufacturer's warranty or product recall
- Deliberate damage: intentional misuse, neglect or abuse of the appliance
- Second-hand appliances: pre-owned items without a valid original proof of purchase
- Installation & removal: delivery, installation or removal costs for replacement units
*Like-for-like replacement is based on the specification of your original appliance and is subject to its age at policy inception. Full details are in your policy terms and IPID.
Hob Cover & Hood Cover: What Each Includes
Your hob and your extractor hood are two separate appliances. Smart Cover protects both, covering the unique faults each is prone to.
Hob Cover
Gas · Electric · Induction · Ceramic
Your hob is used daily, and the most failure-prone part of any kitchen setup. Smart Cover covers all hob types against the faults that most commonly leave you unable to cook.
- Gas igniter failure, clicking continuously or not sparking
- Induction zone failure, one or more zones not heating
- Touch control panel unresponsive, electronic faults
- Thermostat failure, hob overheating or not reaching temperature
- Ceramic glass crack caused by accidental impact
- Gas valve fault, burner not lighting or staying lit
Typical UK repair cost: £80–£250
These are approximate UK market costs for illustration only, based on typical engineer call-out and parts pricing. Actual repair or replacement costs will vary by brand, model, location and engineer, and are not guaranteed or set by Smart Cover.
Hood Cover
Canopy · Chimney · Island · Integrated · Visor
Your extractor hood works every time you cook, removing steam, grease, and odours. When the motor fails or controls stop responding, Smart Cover handles the repair.
- Motor failure, fan no longer running or extracting
- Fan blade damage, rattling, vibrating or seized blades
- Control panel fault, buttons or touch controls unresponsive
- Lighting failure, integral LEDs or bulb holders failing
- Speed selector fault, stuck on one speed or not switching
- Wiring fault, intermittent electrical supply to the hood
Typical UK repair cost: £80–£180
These are approximate UK market costs for illustration only, based on typical engineer call-out and parts pricing. Actual repair or replacement costs will vary by brand, model, location and engineer, and are not guaranteed or set by Smart Cover.
Induction Hob
Touch controls, heating zones, power circuit & control board faults covered.
CoveredGas Hob
Igniter failure, gas valve faults, burner issues & thermocouple breakdowns covered.
CoveredCeramic Hob
Heating element failure, limiter faults, cracked glass damage & control panel issues covered.
CoveredSubject to policy terms, conditions, exclusions, and limits.
The hob and hood 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.
Burners & ignition
Igniter failure, gas valve faults and burner issues on gas hobs.
Heating zones & elements
Induction heating zones and ceramic/electric heating elements.
Control board
Manages touch controls, power circuits and programme settings.
Extractor motor & fan blades
Drives extraction; the most common source of hood breakdowns.
Thermostat
Controls temperature; faults cause overheating or uneven cooking.
Touch controls
Touch sensors and control panels on induction hobs and hoods.
What a hob and hood 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 repair, from a gas igniter fix through to an induction hob heating-zone or control board repair.
The cost of replacing a built-in induction hob 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 quoteThese are approximate UK market costs for illustration only and will vary by brand, model, location and engineer; they are not a quote and are not guaranteed by Smart Cover.
Simple ways to prevent breakdowns
A little care keeps your hob and hood working properly and helps avoid the faults that lead to a claim.
Clean grease filters regularly
A clogged grease filter forces the extractor motor to work harder and can shorten its life.
Wipe the hob after every use
Spills and residue left on burners or heating zones can affect performance over time.
Avoid harsh abrasives on ceramic & induction surfaces
Abrasive cleaners can scratch the glass and damage the surface sensors.
Replace carbon filters on recirculating hoods
A saturated carbon filter reduces extraction and puts strain on the motor.
Check gas connections periodically
On gas hobs, a qualified engineer should check connections and igniters annually.
Act on unusual noises early
A rattling or grinding hood motor is often an early sign of fan blade wear.
Want the full routine? Read our guide on keeping your kitchen appliances safe all year round.
Save as you add more
Insure your hob and hood alongside your oven, dishwasher or fridge freezer, each on its own policy, and your discount grows automatically, up to 30%.
Why cover your hob and hood with Smart Cover
Both Appliances, Fully Covered
Your hob and your extractor hood are each insured under their own policy, so a fault with one never affects cover on the other.
Real People, UK-Based
Every call and email is answered by our UK customer service team, Mon to Fri 9am to 6pm and Sat 10am to 4pm.
Engineers Who Know Kitchens
From induction touch panels to extractor hood motors, our nationwide network is experienced with the faults specific to hobs and hoods.
FCA-Authorised Provider
Smart Cover Insurance Services is a trading name of Smart-Cover Direct Limited, an Appointed Representative of City and Commercial Limited (FRN 314346), which is authorised and regulated by the FCA.
Save as You Add More
Insure your hob and hood alongside your oven, dishwasher or fridge, each on its own policy, and your discount grows automatically, up to 30%.
How a hob and hood claim works
Report a fault by phone, live chat or email, and we'll take it from there.
Get Covered
Select your hob and hood, choose monthly or annual billing and your cover starts immediately. Each appliance is set up as its own policy, so you'll get separate cover for each.
Report the Fault
Call 03333 449 559, use our live chat or email us. Our UK-based claims team will log the fault and book a qualified engineer.
Engineer Visit
A vetted engineer from our UK-wide network visits your home at a time that suits you to diagnose and repair the fault. Parts and labour included.
Fixed or Replaced
We repair using quality parts. If the appliance is beyond economical repair, we contribute towards a like-for-like replacement based on its age.
Claims team available Mon–Fri 9am–6pm and Sat 10am–4pm. An excess may apply depending on the appliance's age and policy terms.
We cover the brands in your home
From everyday makes to premium names, cover for a broad range of hob and hood 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 hob, just your hood, or both on separate policies 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 whether to insure your hob, hood, or both? Our UK-based insurance experts will explain your options in plain English, no jargon, no pressure, and help you find the cover that suits your kitchen and your budget.
- UK-wide engineer network
- Up to £500 per claim per appliance
- Multi-appliance discounts up to 30%
Hob and Hood Insurance in the UK: Everything You Need to Know
What Is Hob and Hood Insurance?
Hob and hood insurance is a specialist appliance protection policy covering the cost of repairing or replacing your kitchen hob and extractor hood when they break down. Unlike home contents insurance, which usually only covers theft or fire damage, hob and hood insurance specifically protects against mechanical and electrical breakdown and accidental damage: the real-world reasons these appliances stop working.
Smart Cover offers hob and hood insurance as individual policies or bundled together under one multi-appliance plan, with cover available for gas, electric, induction, and ceramic hobs, and all main extractor hood types.
What Types of Hob Does Smart Cover Cover?
Smart Cover insures all four main hob types found in UK kitchens:
- Induction hobs: covered for touch control panel failure, heating zone faults, power circuit issues, and electronic control board failure. Induction repairs are typically the most expensive due to specialist parts.
- Gas hobs: covered for igniter failure (continuous clicking or failure to spark), gas valve faults, thermocouple breakdowns, and burner cap damage causing flame failure.
- Ceramic hobs: covered for heating element failure, limiter faults, control knob and switch failure, and accidental glass cracking that causes the hob to stop functioning.
- Electric solid plate hobs: covered for heating element failure, switch gear failure, thermostat faults, and electrical wiring breakdowns.
What Types of Extractor Hood Does Smart Cover Cover?
Smart Cover insures all common extractor hood types found in UK kitchens, including:
- Chimney hoods: the most common type, mounted above a freestanding cooker or hob with a vertical chimney stack
- Canopy hoods: built into an overhead cabinet or cupboard unit above the hob
- Island hoods: ceiling-mounted models above a kitchen island hob, often larger and more complex
- Integrated hoods: fully built-in to the kitchen cabinetry, with no visible external unit
- Visor hoods: smaller, retractable hoods that sit at the front of an overhead cupboard
Both ducted (externally venting) and recirculating hood models are covered under Smart Cover's hob and hood insurance.
Is Hob and Hood Insurance Worth It?
For most UK households, yes. Consider the typical repair costs without cover:
- Induction hob repair (heating zone or control board): £150–£300
- Gas hob igniter or valve repair: £80–£160
- Extractor hood motor replacement: £100–£200
- Extractor hood control board: £120–£250
- Replacing a built-in induction hob: £250–£800+
These are approximate UK market costs for illustration only, based on typical engineer call-out and parts pricing. Actual repair or replacement costs will vary by brand, model, location and engineer, and are not guaranteed or set by Smart Cover.
A single repair claim for an induction hob or extractor hood motor can easily cover several years of premiums, which is why spreading that risk into a regular payment is worth considering. The value is particularly clear once manufacturer warranties expire, usually after 1 to 2 years for most kitchen appliances.
Hob and Hood Insurance vs Home Contents Insurance
Standard home contents insurance covers your belongings against theft, fire, and flood. Most policies do not cover mechanical or electrical breakdown of appliances, even if you add an accidental damage option. That add-on typically covers physical damage (such as dropping something onto the hob) but not electronic or mechanical failure, which is by far the most common reason a hob or hood stops working. Smart Cover hob and hood insurance is specifically designed to cover this gap.
Can Landlords Get Hob and Hood Insurance?
Yes. If you provide a hob or extractor hood in a furnished rental property in England, Scotland, or Wales, Smart Cover appliance insurance is available to cover those appliances against breakdown. This protects landlords from unexpected repair bills and ensures tenants always have access to a functioning kitchen. For broader property protection, Smart Cover also offers dedicated Landlord Cover for home emergencies.
How Long Do Hobs and Hoods Last?
Gas and electric hobs typically last 10–15 years with normal household use. Induction hobs generally last 8–12 years, with electronic components being the primary failure point. Extractor hoods typically last 10–15 years, though motor and fan blade wear is common after years 5–8. Insurance is most valuable during the mid-life period of each appliance, when breakdown probability increases significantly but replacement cost still makes repair the more economical option.
Related Cover
Key Policy Documents
Get covered in under 2 minutes. Cover your hob and hood together and save.
Get a QuoteFrequently asked questions
What does hob and hood insurance cover?
Smart Cover hob and hood insurance covers mechanical breakdown, electrical breakdown, and accidental damage. For hobs this includes igniter faults, heating zone failures, control board issues, and thermostat breakdowns across gas, induction, ceramic and electric models. For extractor hoods, motor failure, fan blade damage, control panel faults and wiring issues are all covered. Parts and labour are included up to the £500 per claim limit. Pre-existing faults, routine cleaning and grease filter replacement are not covered.
Does hob insurance cover induction hobs?
Yes. Smart Cover covers induction hobs against electrical and electronic faults, including touch control panel failures, power circuit issues, heating zone faults, and control board failures. Induction hob repairs are typically more expensive than other hob types due to specialist parts, making insurance especially valuable for induction owners.
Does extractor hood insurance cover the motor?
Yes. Motor failure is the most common extractor hood fault and is fully covered under Smart Cover's mechanical breakdown cover. This includes the fan motor, impeller blade faults, and associated electrical wiring. Parts and labour are included within the £500 per claim limit.
How much does hob and hood insurance cost?
Hob and hood cover is priced per appliance, with each appliance covered under its own policy. Insuring 3 or more appliances together qualifies you for multi-appliance discounts: up to 20% off for 3+ appliances, up to 25% off for 5+, and up to 30% off for 7+, applied automatically at checkout.
Can I insure my hob and extractor hood separately?
Yes. Your hob and extractor hood are each covered under their own separate policy, not one combined policy. Each has its own claim limit of up to £500. Insuring both together still qualifies you for multi-appliance discounts that reduce the total premium automatically.
Is hob and hood insurance worth it?
Yes, for most UK households. Repairing an induction hob costs £150 to £300, fixing an extractor hood motor costs £100 to £200, and replacing a built-in induction hob can cost £250 to £800. Spreading that risk into a regular payment can mean a single claim covers many years of premiums. It is especially worth it once manufacturer warranties expire, usually after 1 to 2 years.
These figures are approximate UK market costs for illustration only and will vary by brand, model and engineer. They are not a quote and are not guaranteed by Smart Cover.
What types of extractor hood does Smart Cover insure?
Smart Cover insures canopy hoods, chimney hoods, island (ceiling-mounted) hoods, integrated hoods and visor hoods. Both ducted (external venting) and recirculating (charcoal filter) models are covered. All major brands are included, including AEG, Bosch, Hotpoint, Neff, Samsung, Siemens, and Smeg.
How do I make a claim on hob and hood insurance?
Call Smart Cover on 03333 449 559 (Mon–Fri 9am–6pm, Sat 10am–4pm), use the live chat at smart-cover.co.uk, or email enquiries@smart-cover.co.uk. Our UK-based team will assess your claim and arrange for a qualified engineer from our UK-wide network to visit your home at a convenient time.
How long do hobs and extractor hoods last?
Gas and electric hobs typically last 10–15 years. Induction hobs average 8–12 years, with electronic components being the most common failure point. Extractor hoods typically last 10–15 years, though motor and fan blade wear is common after years 5–8. Insurance cover is most valuable during these mid-life years when breakdowns are most likely.
Do I need proof of purchase to insure my hob and hood?
Yes. Proof of purchase is required for each appliance you insure with Smart Cover. This is used to verify the original purchase date and value, ensuring accurate cover at the time of any claim. Pre-owned or second-hand appliances without proof of purchase are not eligible for cover.
