Row.co.uk Blog


 

You arrive home to find lights flashing and water spurting out of your washing machine. Could you afford to live without it? Home appliance insurance protects all of your brown and white goods against accidental damage and mechanical or electrical breakdown.


Do I need home appliances insurance?

If a new appliance breaks down within the first 12 months, you benefit from the manufacturer's guarantee, so you shouldn’t have to pay for any repairs or replacement. But if a fault occurs after the first year, your manufacturer’s warranty won’t cover the cost.


Some people choose not to pay for extended warranties or appliance insurance as policies can be over-priced. However, to go without can be costly as bills can mount up if you need to repair a household appliance, especially when you consider call-out or labour fees and costs for parts.


When looking for a new home appliance insurance policy, make sure to check the following:


  1. How many appliances can be covered under a single policy?

Choosing the correct level and type of cover is just as important as the price when it comes to choosing home appliance insurance. You should compare levels of cover and check the things you’re not insured for. Whatever you do, don’t make assumptions about what is included, as for some insurance companies, certain areas of coverage may be optional extras.




  1. What is the maximum amount covered?

When taking out a new home appliance insurance policy, it is important to find out the maximum amount that would be covered in the event of a claim. If your item was damaged, would the maximum amount cover the cost of repair or replace?


  1. What is the monthly cost?

You should always check the monthly cost of your insurance to ensure you can keep up with payments. If you fail to do this, your cover will become void and you will end up paying to repair faults.


Some companies offer discounts for online applications, as well as a reduction if you pay for your premium annually. You might also want to consider combining cover for more than one appliance rather than taking out separate policies.


For example, dishwasher insurance cover and washing machine insurance may be expensive if you take it out separately but by combining the two onto one policy you could hack a chunk off your premium.


  1. What is the limit per claim?

All policies have set limits for how much you can claim at any one time, and how many times you can claim over the period of cover. It is important to check this as you don’t want to risk not being able to claim within a close period, should you suffer a malfunction again.


For smaller claims, you might want to think about the impact claiming might have and whether it’s financially worth going through with it.


  1. What is the customer services like?

A good insurance company provides immediate advice and assistance, and should handle your claim smoothly, efficiently and swiftly, providing they have all the information they need.


From your point of view as the insured, knowing the best way kick-start a claim and assist your insurer in the claim process goes a long way to ensuring the best outcome for you.




As you can see, there are lots of things to look out for when renewing or buying a new home appliance insurance policy. For further information, take a look at our home appliance insurance page to help choose your policy.


*The information in this blog is designed to provide helpful information on the subjects discussed. Please seek a professional for expert advice as we can not be held responsible for any damages or negative consequences upon following this information.

Mobile Insurance Free Quote
Comments are closed
What does your TV insurance really cover?

Row.co.uk Blog

TVs have always been expensive, but there’s a huge range between the most basic sets and the latest smart TVs. If you’re into 4K content, and you want to have access to streaming services, you could easily splash out a four-figure sum on your perfect TV. Likewise, gamers are typically very picky about the displays they use.

As our TVs become more expensive, they are also becoming less sturdy; look around in electronics stores, and you’ll see some that are no thicker than a pencil. If something goes wrong, you’ll need a professional to get it working again. Does your insurance policy measure up?

TV Repair Facts and Figures

The brand you choose will play a part in the longevity of your TV. According to Which?, one in five of the worst-performing brand TVs will conk out in the first five years.

That’s an astonishing failure rate for something so expensive.

Which? has also published some interesting facts and figures about the things that typically go wrong with TV sets:

      23% of faults are to do with the on-screen picture quality

      Users also commonly report problems with the software on the TV -- the second most common problem

      Sound problems are another common complaint, coming in third in the Which? survey.

If your TV’s performance is anything less than perfect, you’ll be left footing the bill for a repair or replacement.

Repairs vs TV Insurance

If you’ve already paid a fortune for a high-end OLED TV, or you’ve splashed the cash on a smart TV, the last thing you want is an unexpected repair bill. But unfortunately, electronics break down with no prior warning all too often.

And now that our TVs run their own software, they’re like computers; problems can suddenly develop after an update that is beyond your control. And some TVs have cheap components that simply aren’t up to long-term use.

The cost of repairing a new TV could run into hundreds of pounds.

TV insurance is designed to protect your valuable item against the cost of a repair, and get your set up and running again quickly. If you’re in the middle of a season on Netflix, the last thing you want is a long wait while you save up.

If your TV can’t be economically repaired, you may be provided with a brand new replacement. And if you’d struggle to replace your TV yourself, that’s a good sign that you need to insure your unit.

Get a Quote for TV Insurance

Row.co.uk is one of the UK’s leading providers of affordable TV insurance. For one monthly payment, we’ll cover your TV for up to £2,000. You can claim as many times as you need to, and everything’s done online.

Once you buy your policy, you’re covered for faults or total breakdowns, and we’ll either replace or repair your set if a fault occurs.

If your TV is beyond repair, we aim to replace within 24 hours, and we collect your broken set for free. The new ones delivered free as well.

Don’t leave it to chance: cover your TV today, and avoid an expensive repair if something goes wrong. The team at Row.co.uk are here to help you cover all of your household gadgets with flexible payments.

*The information in this blog is designed to provide helpful information on the subjects discussed. Please seek a professional for expert advice as we can not be held responsible for any damages or negative consequences upon following this information.

Mobile Insurance Free Quote
Comments are closed