Kitchen Appliance
Insurance

Cover your kitchen appliance for unexpected breakdowns or damages.

kitchen appliance insurance

Kitchen Appliance Insurance

Protect your kitchen appliances from a potential breakdown. Cover with us means you will experience complete peace of mind knowing your kitchen appliance is protected from either a partial or full breakdown. In the event of a breakdown, we will send a trusted engineer to repair the appliance. If this is non-repairable, we will replace the faulty appliance with a like for like replacement. Don't take the chance of facing an expensive appliance breakdown on your own, for a low monthly price you can enjoy the full benefits of kitchen appliance breakdown insurance.

Whilst you may not use every appliance every day, major appliances in your kitchen like fridge Freezer, washing machine and cooker are typically the most important appliances that require an insurance cover. Our adaptable home appliance insurance cover allows you to choose the appliances that are most important for you to protect. We cover your appliances which can be found in the kitchen.

Benefits

  • Expert claim handling team
  • UK based customer service
  • Like for like replacement if non-repairable
  • Up to £500 claim limit per claim
  • Fast claim settlement service
  • Unlimited number of repairs
  • Unlimited number of claims
  • Unlimited number of replacements
  • Electrical breakdown cover
  • Trusted local engineers

All Products

Fridge Freezer

A fridge freezer is one of the most expensive and in use appliances in your kitchen. Any breakdown, no matter how small, it may cause a major inconvenience. Next comes the hassle of finding a trust worthy engineer and of course settling the bill. Avoid the hassle with a Smart Cover fridge freezer insurance policy. You will find that our fridge freezer insurance has been carefully designed to be cost effective while still providing you with premium benefits.

Washing Machine

If your machine breaks down it can throw your whole schedule into a spin. School uniforms, work clothes, home linens can start to pile up all too quickly. Unfortunately, most problems start after the guarantee period is over. Paying for repairs can be costly and if this fails, an immediate replacement is not within everyone’s budget. In situations such as this, washing machine insurance is a cheaper and far more convenient alternative.

Tumble Dryer

A tumble dryer breakdown could be disastrous. Hanging clothes to dry indoors is not ideal and any extended dampness can foster the growth of mildew and mould.​

You are just one phone call away from a caring technical support team and a trusted local engineer. Get an instant quote today.

Dishwasher

Love it or hate it, a dishwasher plays a useful and important role in the kitchen. So what happens when your trusted dishwasher experience a breakdown or mechanical fault? Most of us are unprepared for this type of disruption and the costs to put things right can quickly mount up. With dishwasher insurance cover, you will never need to face a breakdown on your own. Cover with us means that in one call we will arrange a trusted local engineer to repair the appliance and resolve the unexpected appliance breakdown.

Oven

The oven is the workhorse of the kitchen and is always in constant use. Oven breakdowns can be detrimental to the smooth-running of your household.

​With oven insurance you don’t need to face any potential breakdowns alone or pay out for any costly repair bills yourself.

All you need to do is call our team of technical support experts who have access to the trusted local engineers – ready and waiting to fully resolve your oven breakdown.

Cooker

We all know that the cooker is the heart of the kitchen, and probably one of the most important appliances. So what happens when this key appliance starts to malfunction? For instance, buttons break, heating elements and thermostats fails or it just stops working completely.

Cover with Smart Cover Insurance services means that in one call you will be put through to our highly trained technical support agents who will either try to fix the issue, or arrange a trusted engineer to visit you at a suitable time.

Washer Dryer

Don’t wait for your washer dryer to breakdown. Get your washer dryer insurance cover today. Unfortunately, most problems start after the guarantee period is over. Paying for repairs can be costly and if this fails, an immediate replacement is not within everyone’s budget. In situations such as this, washer dryer insurance is a cost effective way to protect yourself from any unwanted breakdowns.

Hob and Hood

Get your hob and cooker hood covered with Smart Cover today and receive protection against breakdowns and accidental damage.

Don’t risk having to fork out a fortune to fix your hob or cooker hood when something goes wrong - Get cover with us. In the event of a breakdown, Smart Cover will assess the issue and send a trusted engineer to repair the appliance.

kitchen appliance insurance
  • Fast claim settlement
  • Up to £500 claim limit per claim
  • Mechanical breakdown
  • Electrical breakdown
  • Accidental damage (Excluding Televisions)
  • Any pre-existing faults
  • Routine maintenance
  • Manufacturer’s defect
  • Deliberate damage
  • Any appliance over 10 years old at inception
  • Pre-owned or second-hand items
  • Delivery, installation and removal of faulty appliance
The first event resulting in a claim reported to Us with in the first 45 days of Your policy, will be subject to £250 excess fee. Any subsequent events resulting in claims reported to Us with in the first 45 days of Your policy, will be subject to a £125 excess fee.

You will be able to make a claim for losses upto the value of £500 per claim. Please note, after the first 45 days there is no excess charge payable for Items under 6 years old. Items over the age of 6 years will be subject to a £40 excess fee for each claim.

American Style Fridge Freezer policies only: any event resulting in a claim reported to us within the first six months of Your policy will be subject to a £250 excess fee. After the first six months of Your policy there is no excess charge payable for American Style Fridge Freezers under 6 years old. American Style Fridge Freezers over the age of 6 years will be subject to a £40 excess fee for each claim.

Appliance Insurance - Frequently Asked Questions

Appliance insurance protects the appliances that you can’t do without!
In the event of a breakdown, having appliance insurance will safeguard your electrical, domestic and household appliances including: your cooker, dishwasher, oven, fridge freezer, washing machine and more.

Our home appliances assist us all in carrying out our essential household functions such as cooking, cleaning and food preservation. Thus, being protected by Smart-Cover’s appliance insurance will mean that you do not have to go without your fridge freezer, washing machine or cooker for long periods of time whilst waiting for them to be fixed, or until you purchase a new one.

Appliance repairs and replacements can be costly and stressful which is why it is in your best interest to be protected. When your tumble dryer breaks down or your cooker stops working, the last thing you want is an expensive bill for a repair or a replacement. You can opt to steer clear of this hassle with Smart Cover’s wide-range of appliance insurance plans.

Kitchen appliance insurance covers your appliances which can be found in the kitchen including, your fridge freezer, cooker, washing machine, tumble dryer, dishwasher, oven, washer dryer and hob and hood.

Smart-Cover’s flexible home appliance insurance cover enables you to choose which household appliances are most important to you that you wish to protect. We cover your appliances which can be found in the kitchen in the event of mechanical breakdown, electrical breakdown and accidental damage. (Accidental damage excludes televisions).

You can insure as many appliances as you like under one policy. Thus, the number of items you choose to cover is unlimited.

At Smart Cover, we offer protection for a broad-range of appliance types and manufacturers. You can insure an unlimited number of your appliances within your household. The choice is yours!

The age limit for appliances is 10 years old. Any appliances over 10 years old at inception, pre-owned, pre-existing faults or second-hand items will not be covered.

Yes, it is required that you provide proof of purchase for every appliance you insure with us

If your appliance does not appear on our website and in doubt, please get in touch via phone, live chat or email and our team will gladly assist you.

You can claim by reporting any fault to us by calling us on 03333 449 559, using our live online chat or by sending us an email. Our helpful and friendly team can be reached over the phone anytime between 9am and 7pm on weekdays and from 10am-4pm on Saturdays. Subject to the age of the appliance and policy terms there may be an excess fee applicable.

Should there ever be an occasion that you are not satisfied with the service we provided and feel that we did not honour our commitments made to you, we will do everything we can to deal with the situation quickly and fairly. If you feel that we failed to deliver our promise made to you, you can complain by simply giving us a call on 03333 449 559 or email us at enquiries@smart-cover.co.uk. Alternatively, you can write to us and we will ensure that your complaint is dealt with promptly. Please see our address below:

Smart Cover
1st Floor, 3-5 Rickmansworth Road
Watford
WD18 0GX

In the unfortunate event that you are dissatisfied with our decision, or if we do not conclude our investigation within 8 weeks, you may refer your complaint to the Financial Ombudsman Service (FOS). You can either telephone them on 0800 023 4 567 or write to them. Their address is:

Financial Ombudsman Service
Exchange Tower
London E14 9SR

If your appliance stops working as a result of an unforeseen event, we will send an experienced engineer from our UK-wide network straight to your doorstep. Our trusted engineers will do the best they can to fix your appliance but if the item is deemed beyond economical repair you will be provided with a like-for-like replacement.

Our fridge/freezer insurance cover protects you in the event of a breakdown including mechanical and electrical issues as well as accidental damage. The contents within your freezer or fridge/freezer are not covered with appliance insurance.

Our experienced engineers will attempt to fix your fridge in the result of a mechanical or electrical breakdown and accidental damage. However, if they deem your fridge beyond repair you will be provided with a like-for-like replacement fridge.

Our price match promise on appliance insurance means that if you can find the same cover level at a lower price elsewhere we will match it up to 14 days after your purchase date, subject to terms and conditions. You just need to inform us of the insurance provider, the cover level and price. In the event of this scenario, please email the details to enquiries@smart-cover.co.uk. Once verified we will simply refund the difference.

Help
& Support

How we help you

  • ​You can report any fault to us by calling us on 03333 449 559, using our live online chat or even by sending us an email. You can reach us over the phone between 9 am and 7 pm on weekdays and from 10am-4pm on Saturdays.
  • Our Priority Helpline will try to resolve or diagnose the problem within hours and wherever possible, we will try to talk you through a solution instantly.