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Appliance Insurance

5-Star Rated

Build Your Own Cover

Everything Under One Simple Policy

Quote Monthly
Add Your Appliances
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Applances: 0
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About Your Cover

When Should Your Policy To Start

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About Your Appliances
 Your Appliance
Fridge/Freezer (US Style)
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Full Policy Terms
Demands & Needs Statement

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Your Quote

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Choose Your Excess:

How It Works

Build your cover by adding the items you want to cover under your policy.

Simply choose the item type from the pulldown together with the approximate value of your item.

Your quote is built in real-time, you can cover as many appliances as you want, all under one simple policy.

The excess is the contribution you are prepared to pay when you make a claim.

We have Four levels of excess £75, £55, £35 and £0. You may vary the excess just by clicking on the relevant value you want in the Your Quote section.

Increasing the excess level is a good way to lower your monthly payments. However many customers prefer to pay £0 excess on their policy. Simply choose the level that suits you.

Most customers choose to pay Monthly however you may also choose the pay Annually and receive a 10% discount!

Simply choose “Monthly” or “Annually” in the Your Quote section.

Once you’ve decided on the items you want to cover simply click on the Next bottom and you’ll be guided through to complete your policy purchase.

Follow the steps to tell us your contact details, when you want the policy to stat together with your contact and payment details.

Relax, we’ve got you covered.

What You Can Cover

Kitchen Appliances

You can cover any combination of your kitchen appliances. If we can't repair your item we'll replace it with an equivalent new appliance.

TV's & Satellite

Cover any combination of TV's and Sky Satellite Equipment. Cover includes the TV/Sky remove control and your Sky Satellite Dish.


Add your Boiler and we'll cover it, together with the Thermostat, Timer, Pump, & Diverter Valve against mechanical or electrical breakdown.

Home Emergency

Cover for Blocked Drains, Burst Pipes, Electric & Gas Supply, Pests, Broken Windows, Lost Keys & Hotel Costs.

Your Policy Benefits

Everything Under
ONE Policy

With our Appliance Insurance policy you can cover all your appliances under one simple policy. Its simple to understand and build your unique cover that suits you. Everything is covered for one simple monthly or annual payment.

up to 60%

By combining all your appliances under one simple plan, you typically save up to 60% compared with single-plan purchases. And the more items you cover the bigger your overall savings!

Parts & Labour

Parts & Labour are included when you need to make a claim so you can relax knowing that you'll be avoiding any expensive repair bills.

£0 Call-Out

There is no call-out charge when you have a breakdown with your appliance, just call us and we'll get to work getting your appliance back up and running in no time!


You can call us out as many times as you like on any of your appliances up to the annual claim limit on your policy.

Zero Excess

All our plans come with the option to include cover with Zero Claim Excess. For a modest increase in premium you may elect to choose cover with no contribution to pay you when you make a claim.

We'll Repair It or
Replace It!

If we can't repair your appliances we'll replace it like-for-like with a new one, sometimes you'll even receive your new appliance the SAME DAY!


We have 750+ engineers nation-wide covering every corner of the UK. When you need us we'll be able to respond quickly.


If you need an engineer we'll dispatch one right away from our comprehensive approved engineer network.

365 Days
UK Support

We're here 365-days a week to respond quickly when you have an emergency. We'll be here when you need us.

14-Day Money Back

All our policies come with a comprehensive 14-day money back guarantee.


Our policies are genuine insurance policies backed by the regulator the Financial Conduct Authority (FCA). Beware of other providers who do not sell genuine insurance cover as you will not be protected in the event of them ceasing to trade.

Appliance Packs

Looking For Ready-Made Appliance Packs ?

Kitchen Appliance Cover Details

Cover Any Combination of Appliances

Add any combination of your kitchen appliances from a single appliance up to as many appliances as you want. Everything's covered under one simple policy.


There is No Call-out Charge and All Parts & Labour are covered when you need to call us out


You can call us out as many times as you like on any of your appliances up to the annual claim limit on your policy.

No Age Limit

There is no age limit on the appliances you can cover. You can cover kitchen appliances of any age.


If we can't repair your appliance we'll replace it like-for-like with a brand new one FREE of charge up to the declared value of the item.

In Safe Hands

We have one of the largest Manufacturer Approved engineer networks in the UK. When you need us you can rest assured we'll repair or replace your appliance quickly and efficiently.

What Kitchen Appliances Can You Cover?



You May Cover Any Of The Following Items Under This Policy:

Cooker, Oven, Hob, Dishwasher, Freezer, Fridge, Fridge-Freezer,
Microwave, Tumble Dryer, Washer/Dryer, Washing Machine, Cooker Hood

Kitchen Appliance Insurance Appliances Covered

TV & Sattelite Cover Details

TV Repair

We'll send an engineer to repair any electrical or mechanical breakdown with your television.

TV Replacement

If we can't repair your TV we'll replace with an equivalent TV up to the declared value of the item†

Remote Covered

We'll replace your TV remote if it develops a fault.

Satellite Dish

We'll cover your Satellite Dish against Breakdown and Realignment or Repositioning where necessary in order to rectify a signal or reception problem. You can claim up to £400 for any one Satellite Box / Dish


We'll cover your Sky Box for repair or replacement in the event of it developing a fault. Our engineer will either repair it or replace it there-and-then to get you back up and running as quickly as possible. You can claim up to £400 for any one Satellite Box / Dish.

Cabling & Remote

We'll cover all the cabling associated with your SKY Installation including the cables to and from the SKY Dish. We'll also cover your remote control should it malfunction.

Boiler Cover Details

Boiler Repair

We'll send an engineer to repair your boiler, our engineers can normally fix most faults there-and-then. You can claim up to £1,000 per boiler, or up to the value you have declared for your boiler.

Complete Cover

When you add boiler cover to your policy we'll not only cover your Boiler but we'll also cover it along with the Thermostat, Timer, Pump, & Diverter Valve against mechanical or electrical breakdown

Optional Boiler Service

To keep your boiler in tip-top condition, as Home Appliance policyholder, you'll get access to our discounted Boiler Service rates.

Home Emergency Cover Details

Water Supply / Pipes

Cover for the leakage, collapse or blockage of the mains water supply pipe up to £500 per claim.

Blocked Drains

Cover for blocked waste drainage pipes or rainwater drains up to £500 per claim.

Internal Gas Supply

Cover for complete loss of your internal gas supply up to £500 per claim.

Internal Electrics

Cover for complete loss of internal electricity up to £500 per claim.

Broken Windows

Cover for broken glass in any windows up to £500 per claim.


Cover for a home emergency caused by pest contamination up to £500 per claim.

Lost Keys

Cover for the cost of replacing your keys and front door damage up to £500 per claim.

Hotel Costs

Up to 3 nights hotel accommodation if your home is uninhabitable for more than 48 hours following a home emergency up to £500 per claim.

Home Appliance Insurance Cover Build-Your-Own

Our household appliance repair insurance gives you peace of mind that your home appliances are covered against expensive repair bills. If you have a problem with any of your appliances we’re just a phone call or click away from sorting it for you. You can cover any combination of Kitchen Appliances, Boiler, TV’s, Satellite and Home Emergency cover  under one simple cost-effective policy.

Our home appliance insurance product allows you to tailor the cover to suit your exact requirements. You can cover any number or combination of appliances you wish., so you can find the cover level that’s right for you. This multi-appliance insurance is a single policy covering all your appliances, you save £££’s by combining all your appliances under one policy compared with single plan purchases.

We also have a Kitchen Plan product which covers just your kitchen appliances. This domestic appliance cover will cover your Washing Machine, Cooker, Oven, Hob, Dishwasher, Freezer, Fridge, Fridge-Freezer, Microwave, Tumble Dryer, Washer/Dryer and Cooker Hood all under one policy.

Our Boiler Care plan provides additional stand-alone coverage for your boiler, with 3-levels of cover you be sure to get the level that’s right for you. Our highest level of cover also includes Home Emergency Cover throughout the UK which will cover you against a wide variety of emergencies including Blocked Drains, Broken Pipes, Pest Contamination, Lost Keys and even Hotel Costs.

You Are Protected

Financial Conduct Authority FCA

We Only Sell Regulated
Insurance Products

We are authorised and regulated by the UK Financial Conduct Authority. We are regulated to sell insurance products with the UK. Beware of companies who are purporting to sell insurance without being regulated.


Financial Ombudsman Service

If you’ve got a complaint about one of our products or services, you may take your complaint to the Financial Ombudsman Service (FOS), an independent body established by Parliament to settle disputes between financial companies and their customers.

Financial Services Compensation Scheme

Your Premiums
Are Protected

Our insurance products are protected by the Financial Services Compensation Scheme (FSCS). This means you may be entitled to compensation if the insurer cannot meet their obligations. Most insurance contracts are covered for 90% of the claim.

Questions & Answers

Yes, we cover appliances of any age.

The excess is the contribution you are prepared to pay each time you make a claim. You can choose either £0, £35, £55 or £75 depending on your requirements.

Increasing the excess generally makes the price of your policy cheaper.

You will be covered for the engineers call-out, together with the cost of the labour and any parts needed to effect the repair on your appliance.

In the first instance we will try and repair your appliance. If this is not possible we will replace your appliance on a like-for-like basis with an equivalent appliance.

At the checkout process you can choose to start your policy either from Today or anytime up to 40 days from today.

You may pay either by Direct Debit or by Debit/Credit Card. Most customers usually pay by Direct Debit. You can also pay either Monthly or Annually. There is a 10% discount if you choose to pay Annaually.

If you purchase your cover on-line you will receive your documentation by email immediately following purchase. If you call us to setup your cover we will email your documentation to you once the agent has finished processing your payment. You can request printed documentation at any time if you wish, these are normally posted within 2-3 working days.

You can add additional items later to your policy whenever you want.

If you pay monthly the new premium will be taken in your next monthly payment. If you pay annually we will calculate the new amount due to cover your additional items up until the expiry date of your policy.

Customer Feedback


5-Star Customer Ratings

Our Customers Consistently Rate Our Kitchen Appliance Policy
With A Top 5-Start Rating for Value, Quality and Service

Policy Documents

Insurance Product
Information Document (IPID)

For a summary of the cover provided by this policy, please download the IPID document using the link above

Full Policy Terms

For further details of the cover provided by this policy,
please download the Full Policy Terms document using the link above


Cover-4-Less is a trading name of Maintenance Direct Insurance Services Ltd
Authorised & Regulated By The Financial Conduct Authority Financial Services Registration Number: 707133
Registered In England No: 03152770. Registered office: Unit 3 Chapel Court, 126 Church Road, Hayes, UB3 2LW

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Statement of Demands and Needs

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