Electronics and Electricals Insurance

Our homes are wonderful things packed to the gills with technology and devices to bring us joy and keep us entertained. But could your family cope if one of your electronic devices stopped working? There’s nothing worse than a nagging child who’s become upset because the music they were just listening to suddenly stopped. Or a husband who is distraught because he can’t hear the latest episode of The Walking Dead because the TV’s soundbar has packed in.

But there is a way to protect your home from electronic issues and provide your family with peace of mind that if anything does go wrong, we will be there to fix it for you quickly and with little fuss. With our Electronics Insurance and for just one low-cost monthly fee you could keep your electronic products running for many years to come.

electronics insurance cover

Why do I need electronics insurance?

The electrical appliances in our homes give us great pleasure and make our every day lives easier to run. They are also likely to be some of the most expensive items that we own. When they break down or get damaged it can be devastating for your household as well as incredibly expensive for your bank balance.

Having a good quality electronics insurance policy like the one we sell is a great way to protect your electronic devices and give your home peace of mind.

What is covered by your Electronics Insurance?

With one of our Electronic Insurance Policies you will be covered in the following situations:

What’s covered


Liquid damageWe will repair any device that has been damaged after coming into contact with liquids.
TheftYour electronic devices will be covered for theft.
Third-party damageIf your electronics are damaged by a third party through vandalism or sabotage, you will be covered.
Fire damageIf your electronic device is damaged by heat or fire, it will be covered.
Design faultIf your device develops a fault due to a design or manufacturers issue that is not covered by a warranty, it will be covered by one of our policies.


What is covered by your Electronics Insurance?

Our Electronics Insurance offers a wide range of cover for a variety of electronic devices, including:

  • DVD and BlueRay players.
  • Audio Systems and Hi-Fi’s.
  • Soundbars and surround sound systems.

What are the benefits of your Electronics and Electricals Insurance?

Our Electronics Insurance is there to protect you in an emergency. If you’ve ever had an electronic device break down, you know how trying an experience it can be. Our policies are there to provide peace of mind and an assurance that if something does go wrong, we will be there for you to get it fixed quickly and efficiently.

The cost of replacing an electronic device can be incredibly steep and repairs can cost more than a replacement. Finding someone who is qualified to look at your electronics can be a challenge in itself and waiting for the repair to be finished can seem like an eternity. Our Electronics Insurance gives you the financial certainty that, if something does go wrong, you won’t have a large bill to make matters worse.

When does cover start?

Cover will start from the moment you purchase a policy from us, with no waiting period. Any issue already present with your electronic appliances will be exempt from the cover but from the moment you buy, you will have total peace of mind.

What issues are exempt from your policies?

As with all insurance policies, some issues are excluded, including:

  • Issues present before the starting date of the policy.
  • Cosmetic damage to the device that has no impact on its working.
  • Deliberate damage or damage caused by neglect or misuse.
  • Damage caused from using the appliance outside the manufacturers recommended parameters.

electronics insurance cover

I have house insurance. Doesn’t that cover my electrical items?

House insurance may cover your electrical items in certain situations. These are normally emergency events like fire, flood, or theft. Outside of this, you may find that your electrical appliances are not covered, and you could end up out of pocket. Check your home insurance’s terms and conditions if you are not sure.

Don’t I have a warranty on my electrical appliances?

If your appliance is within the first twelve months of its life, then it will probably be covered by a warranty. All new electronic items come with fixed-term cover protecting them from mechanical breakdown and design faults. But eventually, these warranties expire. Our electronic insurance is there to take up the slack home insurance and warranties leave behind.

What about an extended warranty? I’m always offered one when I buy a device.

Extended warranties, as the name suggests, extend your manufacturer’s warranty for a further fixed period of time. The issue with extended warranties is that they will only cover the one device and they stick to same terms and conditions of the original warranty meaning cover may be limited. They are also quite expensive when compared to our Electronics Insurance.

Your policy sounds great but are there any hidden fees?

Worrying that you might be lumbered with hidden fees? Don’t. All our policies offer clear guidance on what is and isn’t covered and we never pass hidden fess for repairs, labour, or parts on to our customers. We believe in treating every customer fairly and pride ourselves on the service we provide.

What other benefits are there to your Electronics Insurance?

We look to provide the best service to all our customers and our insurance policies come with a range of benefits, including:

  • Multiple call outs each year to make sure your devices are kept running.
  • Engineer appointments can usually be made within 24 hours.
  • We employ a trusted network of skilled, qualified, and trained engineers that have experience with all electronic devices.
  • As we mentioned above, there are no hidden fees in our policies.
  • Repairs are made according to manufacturer’s guidance.
  • If we can’t repair your electronic device, we will replace it with a like for like model.

How can I purchase Electronics and Electricals Insurance policies?

Buying a policy from us is easy and can be done online using one of our easy to use forms or over the phone with one of our friendly customer service advisers. However you purchase your policy, you will be asked for all the details needed from your policy before being given a quote.

How much does Electronics and Electricals Insurance policies cost?

The cost of your policy with us will depend on a number of factors, including the number and type of devices you are wanting to insure, the age of the electronic appliances, as well as various other factors. All our policies offer great value for money and we will only provide you with a quote once we have all the information required. We pride ourselves on the level of cover we provide and believe our policies are suited to all customers.

Give us a call today and see how easy and cheap it is to protect your valuables with one of our comprehensive Electronics Insurance policies.

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