Home Appliance Cover - What To Look Out For

Your home appliances are central to the daily running of your household. We all rely on them for our food, our cleanliness, and to make our lives that little bit more straightforward. Taking care of our home appliances is a must, simply because when they break down, the cost of repair can often prove unaffordable and time-consuming. With our home appliance cover, you can ensure that you are in the best position possible if something goes wrong with your boiler this winter. With home appliance cover from Your Repair Home Plan, you can even cover appliances which have been bought second hand and which are not otherwise covered by a warranty.

Insurance versus warranties - what's the difference?

Warranties on home appliances tend to be bought in-store at the time of purchase. The extra cost covers the individual appliance you have bought against faults and breakdowns for a set period of time, usually of around one year. Extended warranties are similar, but can last until an appliance is up to eight years old. Warranties, along with product guarantees, are usually provided by the manufacturer or retailer.

A home appliance cover policy covers numerous appliances for a set amount each month. You do not have to set up the cover as soon as you buy a new appliance, and you can cover items that have been bought second-hand. Cover for your appliances can be bought online or over the phone, and are not purchased in-store.

Relying on warranties and guarantees

When you buy a new appliance, it may come with a warranty promising that if anything goes wrong, the manufacturer will repair or replace the item. This is obviously very helpful, however, warranties and manufacturer guarantees only last for a set time period, usually between one and five years.

In some cases, you are required to sign up for the warranty when you purchase the appliance. You may need to complete and send off a card, or retain a receipt of purchase, which may be difficult after you have owned an item for a year or more. If you have bought second hand, these appliances are not even going to be covered by a warranty.

Your appliance may come with either a full warranty, which would cover any faults or damages for a limited period or a limited warranty which will only cover certain parts or specific defects. Whichever warranty you have, they will not cover normal wear and tear.

Extended warranties are another option. They require you to pay an extra amount on top of the cost of your appliance but cover you for breakdowns and damages for an extended period. However, extended warranties are often expensive, especially if you are paying this extra cost on each individual appliance from different manufacturers. Extended warranties often have a lot of hidden terms and conditions, and making a claim can lead to long lists of questions regarding parts and 'pre-existing conditions' or damages.

Other downsides can include having to send your appliances away for extended periods of time for repairs. Manufacturers may not be able to send out engineers to your home to check the problems, so your appliance could need to be sent away for 2-3 weeks at a time, or more.

Why cover your home appliances?

We all rely on our home and kitchen appliances so much that a breakdown can cause undue stress and strain in our already busy lives. Even new appliances can become broken or damaged, and engineers can often be costly and hard to come by. By covering your appliances, you can make sure the cost and inconvenience are kept to an absolute minimum. Whether you have a leaky washing machine, your oven blows a fuse, or your fridge breaks down, YourRepair HomePlan has a nationwide network of over 5,000 approved engineers available 24 hours a day, seven days a week to help.

Whatever make or model your appliance is, we have an engineer with specialist knowledge. We work in partnership with all the leading names in home appliances in the UK, including Hotpoint, Beko, Bosch, Hoover, and Indesit, to provide top quality repairs and replacements when needed.

Added Benefits of Choosing Home Appliance Cover

  • Minimal monthly cost
  • Your appliances are covered for repairs no matter how old they are
  • One policy covers numerous household appliances
  • Second-hand appliances can also be covered as part of your plan
  • There's no need to send off forms to sign up at the start of your policy, and no need to retain receipts for years on end for claims to be valid
  • You can adapt your policy to suit your specific needs
  • Specialist engineers on hand daily, with unlimited call outs and no fees to pay

Covering More For Less

Home appliance cover from YourRepair HomePlan can cost as little as £12.50 a month and will cover as many home appliances as you choose. Your plan will include repairs to any appliances, and you will not be charged for parts, labour or call out charges. As an additional benefit, there is no fee to pay per claim, and no limit on the number of claims you can make.

As long as your appliance is less than seven years old, we will replace it if we are unable to repair it. We will still carry out repairs on appliances that are seven years or older for a minimal excess payment, unlike manufacturer warranties and guarantees.

Our home appliance cover is flexible to suit your needs. You can cover 3, 5 or 9 appliances from £12.50 per month. When you consider the cost of repair or replacements without cover, we're sure you'll agree that this is certainly worth the investment.

See our website for more information on our plans and policies, or call us on 0330 223 4422 to speak to one of our advisors and see which plan could work best for you. Our other services include cover for your boiler, home care plans which include plumbing and electrics, and landlord cover for rental properties.