Washer Dryer Insurance: Do You Really Need It?

Your washer dryer is a bit of a workhorse. It keeps your clothes clean, dry, and ready to go, all from one machine. But when it suddenly stops working, it can throw your whole routine off. Repairs aren't cheap, and replacing the unit is more expensive.

That’s where washer dryer insurance comes in. But do you really need it? Let’s break it down and help you decide if it’s worth the extra protection.

So, What Is Washer Dryer Insurance?

Washer dryer insurance is a type of cover that protects your appliance from things like mechanical or electrical breakdowns. Depending on the provider, it might also include accidental damage, parts and labour, and some plans may even have unlimited call-outs if something goes wrong.

It’s different from home insurance or the basic warranty you get when you buy the appliance. Those usually only offer limited protection or nothing at all once the warranty runs out. Washer dryer insurance is focused, often more flexible, and tailored to just your appliance.

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

Do You Really Need It?

The short answer? It depends. Here are a few things to think about:

How old is your appliance?

If it’s getting on a bit and out of warranty, it’s more likely to develop faults.

How much do you use it?

Daily loads or big families mean more wear and tear.

Could you afford a replacement?

Some washer dryers, especially integrated or high-end models, cost a lot to fix or replace.

Would insurance give you peace of mind?

For many, knowing they’re covered if something breaks is worth the small monthly cost.

Washer dryer insurance isn’t something you must have but it’s a smart backup if you're not keen on surprise repair bills.

What Does the Washer Dryer Insurance Usually Include?

Cover varies from provider to provider, but most policies tend to include:

• Mechanical Breakdown
• Electrical Breakdown
• Accidental Damage
• Up to £500 Claim Limit Per Claim
• Claims process designed to be efficient, subject to policy terms

Some companies also offer quick response times or even a replacement unit if yours can’t be repaired. Always read the small print to know exactly what’s covered and what’s not.

How’s It Different From a Warranty?

Most new washer dryers come with a manufacturer’s warranty, but most of them usually last a year or two. It covers factory faults but not accidental damage or general breakdowns that happen over time.

Washer dryer insurance steps in once the warranty ends. It’s more comprehensive, covering things like breakdown from extended use or accidental damage or electrical or mechanical breakdown. And if the appliance is beyond repair, some plans even offer a replacement.

Still on the Fence? Ask Yourself These Questions

If you’re not sure whether washer dryer insurance is right for you, take a moment to think through a few simple questions. These prompts can help you make a decision based on your needs and budget, not guesswork.

• Is my washer dryer still under guarantee?

Most appliances come with a manufacturer warranty, but those usually run out within a couple of years. Once that ends, you're left to deal with any repairs yourself.

• How long is this appliance supposed to last?

On average, washer dryers last seven to ten years. If yours is already a few years old, it may be at higher risk of breakdowns.

• Does it make sense to insure an older machine?

If it's still running well, insurance can extend its useful life and help you avoid costly repairs. Just make sure the policy doesn't exclude older units.

• Could I afford the repair bill if it stopped working tomorrow?

A sudden breakdown can cost hundreds of pounds. Ask yourself whether you’d be able to cover that comfortably.

• Am I already covered under a different plan?

Some people already have protection through a home emergency plan or appliance bundle. It’s worth checking before you buy a new policy.

Once you’ve answered these, you’ll be in a better position to know if cover is worth it for your situation.

Is Home Insurance Enough?

Many people assume their home insurance will protect their washer dryer, but that’s not usually the case.

Standard policies tend to cover things like fire, flooding, or theft. They don’t include breakdowns or electrical faults caused by regular use.

Home warranties might offer appliance protection, but they often come with restrictions. Some only cover new machines. Others require proof of professional installation or regular servicing. This is why many homeowners choose specialist appliance insurance. It gives you more direct protection and tends to be easier to manage.

Look After It: Maintenance Still Matters

Even with insurance, you still need to take care of your appliance. Most policies require that your washer dryer is well maintained for a claim to be valid.

Here’s how to stay on top of basic upkeep:

• Clean the lint filter regularly to prevent overheating
• Avoid overloading the drum, which puts pressure on the motor
• Run a maintenance cycle from time to time to flush out residue
• Use descaler if you live in a hard water area

Looking after your washer dryer helps it run more efficiently. It also improves the chances of your insurance claim being accepted if something goes wrong.

What to Look for in a Washer Dryer Insurance Plan

Not all policies offer the same level of cover. Before signing up, take a close look at the details and ask:

• What does the policy include?

Are breakdowns, parts, labour, and accidental damage all covered?

• How is the payment structured?

Would you prefer monthly payments, or is there a discount for paying annually?

• Are there any exclusions or limits?

Some policies only allow a certain number of call-outs or won’t cover older appliances.

• How quickly are repairs handled?

A slow response time can turn a minor inconvenience into a major hassle.

• Do customer reviews back up the claims?

Look for real experiences to see if the provider actually delivers on their promises.

Any policy you consider should be presented clearly and fairly. Under FCA guidelines, insurers must avoid misleading terms and make sure customers fully understand what they’re buying.

Final Thoughts

Washer dryer insurance isn’t something everyone needs. But for many households, it offers peace of mind and practical cover, especially if the appliance is older or used heavily.

If a breakdown would cause major disruption or a big unexpected cost, a policy could be worth the investment. Compare providers, read the details carefully, and choose a plan that suits your home and your budget.

Sometimes, protecting what you rely on most is the smartest decision you can make.

Disclaimer:

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 .