Appliance insurance explained: what’s covered and why it matters

If you’ve ever had an appliance break down out of the blue, you’ll know just how disruptive it can be. We rely on them constantly – for cooking, cleaning, storing food, and staying connected.

Appliance insurance takes the sting out of surprise breakdowns by helping you cover the cost of repairs or replacements. But what does it actually include?

At HEA, our appliance cover protects over 30 everyday items, such as:

• Kitchen essentials: fridges, freezers, ovens, hobs, microwaves, air fryers, blenders, and food processors.

• Cleaning equipment: washing machines, tumble dryers, dishwashers, vacuum cleaners, and steam cleaners.

• Tech and entertainment: smart speakers, soundbars, hi-fis, digital radios, and DVD/Blu-ray players.

Whether it’s your fridge on the fritz or your hoover giving up mid-clean, you’re covered. We don’t ask for receipts, and there’s no excess on most policies. If it’s covered and it breaks down, we’ll sort it.

Why does it matter?

• Saves money: repairs and replacements can cost hundreds. Cost starts from just £1.16 a month (in our June 2025 sale).

• Saves hassle: no shopping around for repair quotes. Just contact our claims team and we'll handle it.

• Saves stress: you don't need to worry about finding the money for repairs/replacements - we can help. If your appliance can't be repaired, we'll replace it, or contribute towards the cost of a new appliance (depending on its age - more information can be found in the policy book).

With so many appliances in the average home, it’s only a matter of time before one breaks. When it does, it’s good to know you’re already covered.