Appliances Cover
Appliance insurance is a specialised coverage that protects your home appliances against unexpected breakdowns, malfunctions, and damage. It ensures that if something goes wrong with essential items like your boiler, washing machine, or refrigerator, you won’t be hit with costly repair or replacement bills. This type of insurance provides peace of mind by covering both repairs and, in some cases, the full replacement of the appliance. With the rising cost of household appliances, having insurance in place is crucial to avoid unexpected financial strain and to ensure that your home continues running smoothly without disruption.
3 of our appliances insurance packages
1 Appliance
- £50 excess
- Up to £500 per claim
- Appliance Maintenance Check
- Accidental Damage Protection Included
- Power Surge and Electrical Damage Protection
- 24 Hour Emergency Support, 365 days a year!
- Nationwide Network of Certified Technicians
Most Chosen
3 Appliances
- £25 excess
- Up to £500 per claim
- Appliance Maintenance Check
- Accidental Damage Protection Included
- Power Surge and Electrical Damage Protection
- 24 Hour Emergency Support, 365 days a year!
- Nationwide Network of Certified Technicians
5 Appliances
- £25 excess
- Up to £500 per claim
- Appliance Maintenance Check
- Accidental Damage Protection Included
- Power Surge and Electrical Damage Protection
- 24 Hour Emergency Support, 365 days a year!
- Nationwide Network of Certified Technicians
Who does what
At Heating and Home, we manage the administration of your insurance policy and handle key tasks such as the first notice of loss, cancellation requests, and complaints related to our services. We work closely with various parties to ensure a seamless experience for you. This includes our sister company that handles repairs, insurance underwriters who assess and issue the policy, and third-party claims companies that may assist in processing certain claims. Together, we coordinate these efforts to make sure that your insurance journey, from policy management to claims handling, is smooth, efficient, and stress-free
Who is the underwriter?
Our insurance policies are underwritten by City & Commercial Insurance Company (PCC) Limited re Smart Cover Insurance Cell, 3rd Floor, One Cornet Street, St. Peter Port, Guernsey, GY1 1BZ, authorised by the Guernsey Financial Services Commission (GFSC). GFSC Reference:54692. Details of registration can be checked using the link: https://www.gfsc.gg/commission/regulated-entities/54692.
Terms and conditions apply. For policy wording and IPID documentation, please contact us, these will be provided upon request and before any sale is made.
What is an underwriter?
An insurance underwriter is a professional responsible for assessing and evaluating the risks involved in insuring people, properties, or assets. Their primary role is to decide whether to provide insurance coverage and, if so, under what terms. By analysing information such as the applicant's history, the value of the asset, or potential risks, the underwriter determines the appropriate premiums and coverage limits. They balance the need to protect the insurance company from excessive risk while offering fair and competitive policies to customers. Essentially, underwriters play a crucial role in ensuring the financial stability of both the insurer and the policyholder.
Why Appliances Coverage is Important.
If you own home appliances, then maintaining them is your responsibility, along with the unexpected hassle and expenses that come when they break down. Appliance repairs can cost homeowners a significant amount, especially as appliances age, leading to the potential for costly surprises. Having coverage for your appliances not only helps prevent unexpected breakdowns but also provides financial relief for maintenance and repairs, ensuring you can manage your budget more effectively!
Nationwide gas safe engineer network
Online claims available
Evening and weekend engineers available