White Goods Appliance Insurance

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!

We can offer insurance for an appliance of any age, however for older appliances the cover may be limited to reduced contribution of the cost of a replacement, or “repair-only” depending on the age of the item. Please check the terms of the policy. In addition, 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

You can claim by reporting any fault to us by calling us on03333 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 atenquiries@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
3rd Floor, 21 Station Road
Watford WD17 1AP

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, depending on the age of your appliance at policy inception, we will contribute towards a like-for-like replacement based on the specification of your original item.

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 economical repair, depending on the age of your appliance at policy inception, we will contribute towards a like-for-like replacement based on the specification of your original 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 toenquiries@smart-cover.co.uk.Once verified we will simply refund the difference.