Cooker Insurance in the UK: A Practical Companion for Guarding Your Kitchen

In most UK homes, the cooker is one of the hardest-working appliances. It’s where meals are made, routines begin and end, and families often come together. So, when it breaks down, the disruption is immediate. That’s where cooker insurance becomes a valuable safety net.

Whether you’re comparing options or just want to understand what cooker insurance actually includes, this guide breaks it down in plain English.

What Is Cooker Insurance?

 Cooker insurance is a policy that protects your cooker against mechanical or electrical faults. It typically includes: 

• Repairs
• Parts and labour
• Sometimes, even a full replacement if the cooker can’t be fixed

While some plans focus solely on the cooker, others may extend to full kitchen appliance packages, covering ovens, hobs, and ranges.

At Smart Cover, you can find a range of plans tailored to your needs - from single appliance insurance to full kitchen protection. Smart Cover is authorised and regulated by the Financial Conduct Authority (FCA) in the UK.

Please note: Cover is subject to eligibility, exclusions, and claim limits. Refer to the full policy document for details.

Please review the full Terms & Conditions here: smart-cover.co.uk/terms

Is Your Cooker Already Covered?

Many assume that their home insurance covers appliances, but this is rarely the case:

• Buildings Insurance: Covers the structure of your home, not appliances (unless the cooker is built-in).
• Contents Insurance: Might include a freestanding cooker, but only in cases like fire, flood, or theft not breakdowns.
• Home Emergency Cover: May help in emergencies like a gas leak, but typically excludes appliance repairs.

Unless the damage is caused by a major incident already covered by your policy, your cooker likely isn’t protected. That’s why specialist appliance insurance exists.

What Appliances Can Be Covered?

Depending on your provider, cooker insurance  can cover more than just cookers. This can include:

• Gas or electric cookers
• Built-in or freestanding ranges
• Gas, ceramic, or induction hobs
• Dual-fuel models

Always check the policy schedule to understand exactly what’s included.

Can You Claim for a Broken Cooker?

Yes. If you’ve taken out appliance insurance and your cooker breaks down due to a covered fault, you can make a claim. Payouts or repairs will depend on:

• The age and condition of your cooker
• The specific fault
• Whether it’s due to general wear or something accidental (accidental damage is often excluded)

At Smart Cover, repair is the first priority. If the appliance can't be fixed cost-effectively or safely, a replacement may be offered subject to policy terms.

When Is a Replacement Offered?

Many people think insurance automatically means getting a new cooker. That’s not always true. A replacement is usually only offered when:

• The cooker is beyond economical repair
• Spare parts are no longer available
• The appliance is unsafe to fix

This keeps premiums low while still offering support when it’s most needed.

Is Cooker Insurance Worth It?

Here’s why many UK homeowners choose cooker insurance:

• Older appliances are more prone to faults-especially after warranties expire
• Repair costs can may quickly exceed £150, especially for parts and labour
• Busy households rely heavily on working cookers. Delays cause major disruptions
• Insurance offers access to qualified engineers, reducing stress

For a relatively low monthly cost, cooker insurance can be a an option that may help reduce unexpected repair costs compared to one-off repair bills.

What Does Cooker Insurance Typically Include?

Most cooker insurance policies offer:

• Coverage for mechanical/electrical breakdown
• Parts and labour
• Call-out charges
• Replacement if repairs aren’t possible

However, exclusions usually include:

• Cosmetic damage (e.g., surface scratches)
• Pre-existing faults
• Neglect or misuse
• Appliances over 8–10 years old

Always read the full policy document to understand the terms and conditions.

For Landlords: Why Cooker Insurance Makes Sense

As a landlord, you’re responsible for providing safe, working appliances. Cooker insurance helps you:

• Avoid unexpected repair costs
• Get quick access to repair services
• Reduce tenant complaints and legal risks
• Minimise out-of-pocket expenses

If your landlord insurance doesn’t already cover appliances, cooker insurance is a useful option, depending on customer needs and circumstances.

Common Cooker Repair Costs (Without Insurance)

Here’s what you might expect to pay out-of-pocket:

• Heating element replacement: £100–£150
• Control panel repair: £150–£250
• Gas leak repair: £200+

With appliance insurance, most of these are covered minus any applicable excess.

The Bottom Line

Cookers are essential to daily life. When they fail, everything from meals to routines gets disrupted. Standard insurance rarely helps in these cases. Cooker insurance provides a practical solution that can help manage repair or replacement expenses for repair or replacement.

Cooker insurance may be suitable for homeowners, landlords, or busy families, depending on individual needs and eligibility criteria.

Explore your options at smart-cover.co.uk/appliance-insurance to find a plan that suits your kitchen.

Disclaimer:

If this blog content is shared on other channels such as social media or email, key risk information and disclaimers will always be included in line with FCA guidance.

This blog is a marketing communication by Smart Cover, which offers appliance insurance products. Please read our full Terms & Conditions before purchasing.

Smart Cover is a trading name of Smart-Cover Direct Limited, which is authorised and regulated by the Financial Conduct Authority under firm reference number 600428.

 Important: Exclusions and Limitations

While cooker insurance provides useful protection, it does not cover everything. Common exclusions include cosmetic damage, pre-existing faults, neglect or misuse. Please review the full Terms & Conditions to understand all cover limits and exclusions.