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Protect 5 appliances for the price of 4 - just £23.99/month, plus 1 cover FREE

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Washing Machine Insurance

Washing Machine Insurance
So a Breakdown Never Gets You in a Spin

Washing machine insurance cover for mechanical breakdown, electrical breakdown and accidental damage, from under £0.28 a day, with up to £500 per claim.

Get a quote Call 03333 449 559
£500Per claim
Up to 30% OFFMulti-appliance
Rated "Excellent"
Washing Machine Insurance
From £0.28 per day
  • From under £0.28/day (taxes included)
  • Mechanical & electrical breakdown
  • Accidental damage included
  • Covers washing machines & washer-dryers
  • Multi-appliance discounts up to 30%
  • Cancel anytime
Start Your Quote

FCA-authorised provider · No long-term lock-in

In short

If your washing machine or washer-dryer won't spin, drain, or start at all, washing machine insurance cover is what pays to put it right. Smart Cover repairs mechanical faults like a failed motor, pump or drive belt, electrical faults like a control board or door interlock, and accidental damage, then contributes towards a like-for-like replacement, up to £500 per claim, if it can't be economically repaired.

Cover more, save more.

3+ 20% off
5+ 25% off
7+ 30% off

Discount applies automatically at checkout.

Choose your Appliance

Cooker

Cooker

Washing Machine

Washing Machine

Fridge Freezer

Fridge Freezer

Vaccum Cleaner

Vaccum Cleaner

Dishwasher

Dishwasher

Washer Dryer

Washer Dryer

Warming Drawer

Warming Drawer

Fridge

Fridge

Oven

Oven

Tumble Dryer

Tumble Dryer

Freezer

Freezer

Hob

Hob

American FF

American FF

Hood

Hood

Wine Cooler

Wine Cooler

Microwave

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

Cover more, save more.Get more savings when you cover more of your appliances

3+ Appliances 20% off
5+ Appliances 25% off
7+ Appliances 30% off

Discount applies automatically at checkout.

Add to cart

Billing Type

Your cart is empty. Start adding appliances to get a quote.

Actual Price £0.00
Discount (20%) -£0.00
Your Price £0.00
(Paid monthly)

Add Appliance

Please provide the details of your appliance to get an accurate quote.

Cover more, save more

Add more appliances, unlock a bigger discount

Cover is priced per appliance by age and value. Add your washer-dryer, tumble dryer or other appliances to one policy and your discount grows automatically at checkout.

3+ appliances
up to
20%
off your cover
Featured
5+ appliances
up to
25%
off your cover
7+ appliances
up to
30%
off your cover
Limited-time offer

5 appliances for the price of 4

Protect 5 appliances for just £23.99/month, that's one cover free. Ends 21 September 2026.

Start your quote

Discounts apply automatically at checkout. Pay monthly or annually. Prices include all relevant taxes; terms and conditions apply.

Cover scope

What's covered and what's not

What's covered

  • Mechanical breakdown of your washing machine
  • Electrical breakdown
  • Accidental damage
  • Up to £500 claim limit per claim
  • Fast claim settlement
  • Like-for-like replacement if beyond economical repair*

What's not covered

  • Any pre-existing faults
  • Routine maintenance (e.g. clearing a blocked filter)
  • Manufacturer's defect (covered by the warranty)
  • Deliberate damage
  • Pre-owned or second-hand machines
  • Delivery, installation and removal of a faulty machine

*Like-for-like replacement is based on the specification of your original machine and is subject to its age at policy inception. Full details are in your policy terms and IPID.

Inside your washing machine

The washing machine 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.

Motor & drum

The motor that spins the drum, a common cause of a machine that won't spin or turn.

Drain pump

Pumps water out at the end of a cycle. A failed pump leaves the drum full of water.

Drive belt & bearings

Belt and bearings that keep the drum turning smoothly, worn bearings cause loud noise.

Door lock (interlock)

The safety lock that lets the machine run, a fault can stop it starting or trap the door shut.

Heating element

Heats the water for warm washes. A failed element means cold-only cycles or tripped power.

Control board (PCB)

The electronics that run each programme, faults can cause error codes or a dead machine.

Common problems

Washing machine 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 spin

Often a worn drive belt, motor, carbon brushes or control board fault stopping the drum spinning.

Won't drain

A failed drain pump can leave the drum full of water at the end of the cycle.

Door won't open

A faulty interlock or a machine that hasn't drained can leave the door locked shut.

Leaking water

A breakdown of a seal, pump or valve can cause a leak that needs an engineer's attention.

Loud banging on spin

Worn drum bearings or shock absorbers often cause loud noise and heavy vibration.

Error code or dead

A control board fault can throw an error code, stop mid-cycle, or leave the machine unresponsive.

Is it worth it?

What a washing machine repair can cost

Most faults appear once the manufacturer's guarantee has ended, right when the bill lands on you.

Typical repair & replacement costs

£80–£200+

A typical UK washing machine repair, depending on the fault. A drum-bearing job can run higher.

£250–£600+

The cost of buying and installing a new machine if yours can't be economically repaired.

What cover costs

From £0.28/day

Spread the risk into an affordable regular payment instead of facing a large one-off bill, with up to £500 per claim towards repair or a like-for-like replacement.

Get your quote

Cost figures are typical UK ranges for general guidance and will vary by machine, fault, brand and location.

Which protection do I need?

Insurance vs warranty vs home insurance

Three different things people often mix up. Here's what each does for your washing machine.

Washing machine insurance

Ongoing breakdown & damage cover

  • Mechanical & electrical breakdown
  • Accidental damage
  • Repair or like-for-like replacement
  • Covers older machines (terms apply)
  • Manufacturing defects on a brand-new machine

Manufacturer's warranty

Fixed-term, new machines only

  • Manufacturing defects on a new machine
  • Free during the warranty term
  • Ends after the term (often 1–2 years)
  • Accidental damage
  • Wear-and-tear breakdowns after expiry

Home contents insurance

Loss & damage, not breakdown

  • Theft, fire or flood damage
  • Accidental damage (if added as an extra)
  • Mechanical or electrical breakdown
  • Wear-and-tear faults
  • Repair call-outs for a faulty machine

A general comparison to help you decide. Always check the specific terms, conditions, limits and exclusions of any policy or warranty.

Make it last longer

Simple ways to prevent breakdowns

A little care keeps your machine running and helps avoid the faults that lead to a claim.

1

Clean the filter

Clear the pump filter regularly to prevent blockages and drainage problems.

2

Don't overload

Overloading strains the motor, bearings and suspension over time.

3

Run a hot maintenance wash

A monthly hot empty cycle clears detergent build-up, limescale and smells.

4

Leave the door ajar

Airing the drum and seal between washes helps prevent mould and odour.

5

Wipe the door seal

Keep the rubber door seal clean and free of trapped items and residue.

6

Use the right detergent dose

Too much detergent leaves residue that can affect performance and smell.

Want the full routine? Read our guide on how to clean and maintain a washing machine.

Washers, washer-dryers & tumble dryers

Cover isn't just for standalone washing machines, we insure washer-dryers too, and you can add a separate tumble dryer or other laundry appliances to the same policy for a multi-appliance discount.

Washer-dryer cover
Benefits

Why cover your washing machine with Smart Cover

Expert claims team

A dedicated team handling your claim start to finish.

Up to £500 per claim

A generous limit towards repair or replacement.

UK-based service

A UK customer service team you can reach.

Fast settlement

A fast claim settlement service to get you sorted.

Like-for-like

Replacement based on your machine's spec, subject to age.

Making a claim

How a washing machine claim works

Report a fault by phone, live chat or email, and we'll take it from there.

Report the fault

Call 03333 449 559, use live chat or email us to report the breakdown.

Share the details

Give your policy and machine details, plus proof of purchase and any error code.

Engineer attends

An engineer from our UK-wide network attends to diagnose and repair.

Repair or replace

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.

Washing machine brands

We cover the brands in your home

From everyday makes to premium names, cover for a broad range of washing machine manufacturers.

aeg
bosch
electrolux
hotpoint
indesit
lg
samsung
Why Smart Cover

Cover That Keeps Your Laundry Running

Smart-Cover Direct Limited is an FCA-authorised provider of home emergency and appliance insurance. We've protected UK homes since 2013, and picked up the 2019 Broker Innovation Award along the way.

UK-wide engineer network

Qualified engineers repair washing machines and washer-dryers right across the UK.

Fast claim settlement

Claim by phone, email or live chat, weekdays and Saturdays, with no complicated paperwork.

Multi-appliance savings

Add your tumble dryer, dishwasher or cooker to the same policy and save up to 30%.

Talk to an expert

Questions about cover?

Leave your details and one of our experts will call to explain the benefits and exclusions, so you can protect your washing machine with confidence.

  • UK-wide engineer network
  • Up to £500 per claim per appliance
  • Multi-appliance discounts up to 30%
Prefer to talk now? 03333 449 559

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Frequently asked questions

What is washing machine insurance?

Washing machine insurance helps cover the cost of repairing or replacing your washing machine if it suffers a mechanical breakdown, electrical breakdown or accidental damage. If your machine can't be economically repaired, we contribute towards a like-for-like replacement based on the specification of your original machine, up to £500 per claim.

How much does washing machine insurance cost?

Cover starts from under £0.28 a day. The exact price depends on your machine's age and value, and you can save more by covering multiple appliances on one policy: up to 20% off for 3+, up to 25% off for 5+ and up to 30% off for 7+. You can pay monthly or annually, and prices include all relevant taxes.

Does it cover a machine that won't spin or drain?

Yes, if your machine won't spin or drain because of a covered mechanical or electrical breakdown (such as a failed motor, pump, drive belt or control board), an engineer can diagnose and repair the covered fault, subject to your policy terms and limits. Faults caused by misuse, blockages from neglect or pre-existing issues aren't covered.

Does it cover leaks and a broken door lock?

Cover applies to sudden mechanical and electrical breakdowns and accidental damage, which can include a failed door interlock or a breakdown that causes a leak from a component like the pump or valve. Gradual wear, poor maintenance and pre-existing faults are excluded, so always check your policy terms.

Does it cover washer-dryers too?

Yes. We cover washing machines and washer-dryers, and you can add a separate tumble dryer or other appliances to one policy to unlock a multi-appliance discount.

Can I insure an old washing machine?

Washing machine insurance is available for machines up to 10 years old at policy inception. Within that range, cover for older machines may be limited to repair-only or a reduced replacement contribution, depending on age. Pre-owned or second-hand machines and pre-existing faults aren't covered, and proof of purchase is required.

Is washing machine insurance worth it?

A washing machine is one of the hardest-working appliances in the home, and repairs can be costly, often £80 to £200 or more, while a new machine can be £250 to £600 or more. Insurance can be worth it if you'd rather spread that risk into an affordable regular payment than face a large one-off bill. Whether it suits you depends on your machine's age, condition and budget.

What's not covered?

Washing machine insurance doesn't cover pre-existing faults, routine maintenance, manufacturer's defects (covered by the warranty), deliberate damage, pre-owned or second-hand machines, or the delivery, installation and removal of a faulty machine. Full details are in your policy terms and IPID.

How do I make a claim?

Report the fault by calling 03333 449 559, using live online chat, or emailing us. The team is available 9am–6pm weekdays and 10am–4pm Saturdays. An engineer from our UK-wide network attends to repair your machine where possible, and an excess may apply depending on the machine's age and policy terms.

Helpful Articles & Tips on Washing Machine Insurance

Welcome to Smart Cover

At Smart Cover we provide cover for a wide-range of insurance services. Choose the right insurance cover to build a policy that suits your requirements.

Contact one of our experts

An insurance expert can explain the policy benefits and exclusions enabling you to choose the policy that’s right for you. Fill in your details to schedule a free call today.

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