Protecting your kitchen appliances
Protecting your kitchen appliances
Protecting kitchen appliances with kitchen appliance insurance may make a great deal of sense financially. Appliances don’t come cheap, even when buying used. Buying brand new gives you peace of mind of a warranty. However, the chances are if you purchase a second hand appliance you are not going to have anything to fall back on. Regardless of whether you have a warranty from the manufacturer or not, you may still benefit from extended cover.
What does extended appliance insurance typically offer?
The first thing you need to realise is that insurance does not have to be taken out at the time you purchase your appliance, regardless of what the shop may have you believe. In fact, purchasing standalone insurance may typically offer quotes that are more competitive, along with a policy that offers more competitive features. A typical policy may include:
- breakdown of your appliance, including mechanical and/or electrical failure;
- the cost of any labour, parts and call out of the engineer;
- repairs by fully certified engineers;
- tracking of any claims you may make;
- a policy that is regulated by the FCA;
- the option to cancel at any time;
- both new and used appliances are covered, up to a limit of 8 years.
I have a manufacturer’s warranty; do I still need extended cover?
You may still benefit from an extended warranty even if you have a warranty offered by the manufacturer at the time of buying your product. Perhaps you forgot to fill in the registration for the warranty when you purchased the appliance. Generally you have to post and return a card to qualify for the manufacturer’s warranty. If you haven’t done this and you do need to make a claim, it may be invalid. In this case you can take out extended cover to fall back on. Even if the warranty is valid it may not provide protection for some of the things an extended policy might.
FAQs about extended appliance insurance
Not all kitchen appliance insurance offers the same features. Here are some features you may wish to ensure are offered with an extended warranty for appliances. Click here for KAPUT's full list of frequently asked questions.
Do I have to pay excess on the policy?
The majority of insurance providers offer insurance that has a minimum amount of excess attached to it. The excess is the amount of money you have to hand over when making a claim on the policy. When taking out excess insurance for your appliances you will be pleased to hear that there isn’t any excess to find.
Do I have to pay extra for labour, parts and call out?
Some providers may offer insurance that comes with additional costs, for instance, parts may not be included. The insurance for your appliances includes any call out charges, along with costs of parts, and labour for installing them.
Are the insurance prices fixed?
Some warranty providers may offer cover that has been calculated based on the value of the appliance, its age or brand name. The insurance policy with us has a price that is fixed, so you will never find a surprise at the end of the process when applying for cover.
Applying for kitchen appliance insurance with competitive premiums and comprehensive cover for peace of mind may never have been easier or more affordable. Click here to start building your basket and get a quote.
In a press release we issued earlier this year KAPUT warned that as many as 70% of consumers failed to appreciate the way in which warranty insurance works and that the age group most likely to have this gap in their knowledge are 45 to 54 year olds.