washing machine insurance breakdown cover/coverage
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Your washing machine is one of the most important pieces of home equipment, and when it breaks down, it can be a real pain. Paying for repairs can also be expensive, and if that fails, an instant replacement is not always feasible. In instances like this, washing machine insurance is a far more cost-effective and convenient option that provides you coverage. That being said, having a comprehensive washing machine insurance cover in place will safeguard you from unforeseen expenses if your washing machine breakdown.

In this article, we explain all you need to know about washing machine insurance cover in the UK as well as its breakdown cover.


Washing machine insurance protects your washing machine against malfunctions and unintentional damage, so you don’t have to pay a lot of money if it breaks down. Washing machines, unfortunately, are famous for requiring these repairs regularly.

This is because we use our washing machines daily, and sometimes numerous times per day. Washing machines are unquestionably one of the most useful household equipment available. Anyone who has a breakdown wants to get their machine back up and running as soon as possible.

With washing machine insurance, you can rest easy knowing that your washing machine will be entirely repaired in no time. What’s more, you’ll never have to make a significant financial compromise.

Washing Machine Insurance UK

Washing machine insurance is a type of policy that covers the cost of repairs to a washing machine, which includes labor and parts. Likewise, you can also purchase it as part of a package with other appliance coverage.

Your washing machine is probably one of the most important home appliances that you can’t afford to be without. And the expense of fixing or replacing it can be rather high. However, If your machine fails, it can throw your entire schedule into disarray. Uniforms, office outfits, and household linens can soon accumulate. 

In the event of a breakdown or accidental damage, washing machine insurance sufficiently covers your appliance. While the guarantee you receive when you purchase an appliance may cover you for a limited time, usually only 12 months, it is all too usual for your equipment to suffer a fault soon after the warranty expires.

Washing machine insurance gives you financial peace of mind by ensuring that you will not be forced to scramble for cash to pay for repairs or replacements if your appliance breaks down. If this isn’t possible, your insurer will arrange for a suitable replacement or make a payment toward the purchase of a new washing machine. In addition to washing machines, tumble dryers and washer dryers are also covered under washing machine insurance.

Benefits of Having Washing Machine Insurance

The following are some of the advantages of comprehensive washing machine insurance coverage that covers a washing machine:

  • Damage insurance: Any financial loss resulting from the machine’s accidental damage, which could occur as a result of a fire or other risks.
  • Theft insurance protects you from financial loss in the event of a break-in or theft.
  • Simple payment options: Loss coverage in the event of a break-in or theft.
  • Multiple payment alternatives are available, including net banking, mobile wallet, cards, and others, to make the experience hassle-free and simple for clients.

Factors that influence insurance premiums

The amount of the premium, as well as the coverage that comes with it, is determined by several criteria. Take a look at the following:

#1. Washing Machine’s Price Range: Different insurance costs are levied for various washing machine models based on their price.

#2. The premium amount varies depending on the term and coverage of the policy.

#3. The extended warranty offers and advantages: The insured has several options for utilizing the extended warranty features and benefits. The life of the washing machine can be extended with a longer warranty, and financial losses from breakdowns and damages can be reduced with coverage.

What should you look for in a washing machine insurance policy?

Take your time to compare washing machine insurance and while you are doing so, you will get quotes from hundreds of insurers in seconds. However, during choosing between them, keep the following in mind. Most importantly, premium pricing isn’t the only factor to consider.

#1. Premiums

This is the amount you’ll pay for the policy throughout its 12-month term. However, If you pay for the entire insurance upfront, you may be eligible for a discount. So do a price comparison. Fortunately, the internet makes comparing the cost of washing machine insurance quite simple. You may examine the rates of plans on a variety of comparison websites to ensure you get the greatest bargain. 

#2. Maximum Item Coverage

The maximum amount of money that can be spent on a single covered item. Look for a policy that has a maximum coverage amount that at least equals the cost of your most valuable appliance. Take into account your requirements. What are you looking for insurance for? Is it simply your washing machine that’s causing the problem? Do you also need insurance for your tumble dryer and other appliances in your home? Answering all this will help you decide if you are the maximum equipment coverage.

#3. Maximum Number of Claims

Some policies limit the number of claims you can make each year to three. Others allow you to make an unlimited number of claims.

#4. Excess

The amount you’ll be responsible for in the event of a claim. Insurers will sometimes waive call-out excesses in exchange for you paying for any repairs.

#5. Claim limits

The maximum amount an insurer will payout for a claim means the claims limit. This is the maximum amount a washing machine breakdown protection provider would pay for an engineer to come out and fix your machine if it breaks down. If your washing machine can’t be fixed, some insurance companies offer replacement coverage.

#6. Check Reviews.

It’s critical to read consumer evaluations of home appliance insurance firms before obtaining washing machine protection. Do they have a solid track record? Is their customer service up to par? Do they fulfill their responsibilities and keep their policy promises?

Washing Machine Insurance Cover

Every home nowadays is well-equipped with contemporary machines that make domestic chores easier. In this regard, washing machines are essential. These washing machines have grown to become clever and more crammed with high-end functions as a result of rapid technological advancements. As a result, the cost is larger, as is the necessity to protect them from financial losses caused by fire or other risks, theft, or other damages.  Therefore, purchasing a washing machine cover can protect your machine from a variety of threats.

Insurance firms use qualified, specialized engineers who are well-versed in the ins and outs of your specific device. They know what to look for and how to identify problems appropriately, providing you peace of mind that your equipment is in able or safe hands. Many things can go wrong with washing machines, and because most problems are internal, it is best to leave diagnosing the specific problem to the pros who are always at the disposal of prospective insurance firms.

Any appliance that you select to insure under your policy gets effective cover by warranty and accidental damage coverage. Your insurer will cover you if something goes wrong with your washing machine outside of the manufacturer’s warranty period. Your insurance will cover all expenditures, including washing machine engineer visits, labor charges, repairs, and replacement parts. Even if your washing machine or washer dryer is beyond repair, your insurance carrier may be able to arrange for a complete replacement or, better yet, contribute to the cost of replacement.

Washing Machine Insurance provides a cover level that is unique for you. Such includes:

  • Breakdowns in mechanical and electrical systems protection after the end of the manufacturer’s guarantee.
  • Immediate accidental damage cover for your washing machine 
  • Unlimited claims filing.
  • Costs of repairs, parts, and labor cover. 
  • Provision of similar specification replacement if a machine cannot be fixed.
  • In-house technical support.
  • Quick completion of repairs made by expert engineers.
  • Provides unlimited call-outs with no surprise cost.

Is insurance cover worth the cost?

It is assumed that washing machine insurance is a minor expense to spend considering the price of washing machine repairs when you are without coverage. Not only would you be responsible for labor and call-out fees, but you’d also be responsible for parts.

Furthermore, if your washing machine is far beyond repair, the price of buying a new washing machine without an insurer will be too expensive. One of the most significant benefits of purchasing insurance is the ability to receive a brand new washing machine as part of your coverage.

Washing machine insurance is especially useful if the machine’s manufacturer’s warranty has expired. And unless you have washing machine insurance, you don’t have full protection against problems or breakdowns at this juncture.

Washing machine insurance ensures that any resolving any issues swiftly and effectively. You won’t be able to live without it for long, and insurers will connect you with engineers who can solve any faults quickly and cover the majority of the expense. This eliminates the need to consider if you can afford call-out fees and maybe a new appliance before contacting anyone about your situation.

Altogether, while a washing machine cover may appear to be an initial outlay, the prospective benefit much outweighs the expense. Hopefully, your washing machine would never break down and you will never need to file a claim, but if it probably does, you will be pleased you purchased washing machine coverage.

Washing Machine Breakdown Cover

Washing machine breakdowns are a nightmare. Unfortunately, washing machines have a high failure rate. When they do, it can put your entire family’s life on hold. It’s extremely aggravating not to have clean clothes for school, sports, and everyday life. The washing machine breakdown cover protects your home and helps keep it running smoothly.

Many causes might cause washing machines to fail. They are, after all, one of the most often used household appliances. What you may not realize is that you can prevent a lot of the wear and tear your washing machine experiences, thereby extending the life of your machine through the washing machine breakdown cover.

Additionally, It is without a doubt that the washing machine is one of the handiest appliances available. Anyone who experiences a breakdown will want to get their machine back up and running as soon as possible, so knowing that your machine has full coverage against breakdowns is reassuring

Moreover, the washing machine breakdown protection provider would pay for an engineer to come out and fix your machine if it breaks down. If your washing machine can’t be fixed, some insurance companies offer replacement coverage; read the policy documentation for specifics.

Why do washing machine breakdown covers make sense?

A washing machine insurance policy with a washing machine breakdown cover can be an excellent choice if you’re worrying about not being able to afford to repair your washing machine if it breaks down.

Purchasing washing machine insurance can be a good idea if you already have coverage for other appliances such as your dishwasher or oven. In most circumstances, as part of a multi-appliance discount, insurers can add a washing machine plan to existing extended warranty coverage. This can save you money and make washing machine insurance a more cheap option for you when compared to single coverage. And you will get the utmost breakdown cover you are yawning for.

In the UK, you can frequently acquire new for old coverage when purchasing washing machine insurance. This implies that if your old washing machine breaks down, your washing machine breakdown cover might be able to cover the cost of a replacement.

Even if you have a fantastic washing machine insurance quote, double-check that you require a breakdown cover. If you currently have coverage through a manufacturer’s warranty or are concerned that your problems will fall under common policy exclusions, the washing machine policy may not be for you. Also, be sure you can afford the monthly or yearly fee of the washing machine breakdown cover before subscribing to a long-term plan.

To get a washing machine insurance quote, visit https://happyappliances.co.uk/get-a-quote/


When compared to the expense of repair or replacement on your own, washing machine insurance is a fantastic deal. It allows you to insure your washing machine either as a single appliance or take advantage of multi-appliance discounts by insuring multiple appliances.

Washing Machine Insurance FAQs

Does house insurance cover washing machines?

Like HVAC equipment, appliances are covered under homeowners insurance in certain scenarios. It all depends on what happens to your oven, refrigerator, or washing machine. Standard homeowner insurance policies include coverage for appliance repair or replacement if the damage or loss was the result of a covered peril.

Is a broken washing machine covered in contents insurance?

A standard home contents insurance policy will cover your appliances against damages, fire, theft, storm, flood, other natural disasters.

Can I insure a broken washing machine?

Your insurance protects you against things unexpectedly going wrong with your washing machine outside of your manufacturer’s warranty. All the costs, from washing machine engineer call-outs, labor charges, repairs, replacement parts, will be covered by your insurance.

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Your insurance protects you against things unexpectedly going wrong with your washing machine outside of your manufacturer's warranty. All the costs, from washing machine engineer call-outs, labor charges, repairs, replacement parts, will be covered by your insurance.

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