A fridge is an essential part of any home. There is no alternative for storing your milk or other perishable food. If your fridge or freezer breaks down, you are left with no alternative but to replace or repair it – unless of course you have very understanding neighbours!
Home insurance policies may cover the cost of food which has perished as a result of the failure of a fridge or freezer but they do not cover repairing or replacing the appliance itself. It is all very well being able to afford to replace the lost food but if you have no fridge or freezer to put it into, then you are no better off.
As with many of today’s household appliances, fridges have become more elaborate - with some housing ice makers, temperature controlled zones and all manner of storage options. American fridge freezers are also popular with many families. Replacing or repairing these expensive devices can be very costly and time consuming.
Finding insurance for your fridge or freezer can give you peace of mind that you are covered should your appliance let you down. Manufacturers often only provide a guarantee for a year or two at the most. Most people aim to keep theirs for a lot longer, not wanting to purchase fridges and freezers that they will have to replace every two or three years.
Unless your fridge and freezer are combined into one appliance, you would often need to take out to separate insurance policies. Many insurers, however, have multiple appliance policies, specifically for numerous kitchen appliances or targeted toward appliances all over the home. Should you have a number of appliances either within the kitchen, or around the home you may want to consider one of these policies.
Reactive Insurance has a single kitchen appliance insurance policy to cover items such as fridges and freezers. The policy includes all parts, labour and call out fees, and a 24 hour, 7 days a week freephone number is available to customers for all queries you may have. Reactive Insurance's single kitchen appliance cover will protect against breakdown or accidental damage to your fridge and freezer after the manufacturer's warranty has expired.
This company also have a Total Kitchen Insurance policy, this would allow you to be able to insure multiple kitchen appliances, including, but not exclusively, fridges, freezers, washing machines and dishwashers, all under a single cover.
Smart Cover Insurance offer fridge and freezer insurance cover. This policy is for fridge and freezer appliance for which the manufacturers warranty has expired, this cover would then protect against breakdown or accidental damage to the goods. The fridge and freezer insurance only requires customers to pay an excess charge on claims within the first 45 days of the policy, following this there is no excess.
Multiple appliances can be insured by Smart Cover Insurance through separate policies, this allows customers to have a number of their kitchen appliances insured by the same company.
Kaput offers fridge, freezer and fridge freezer cover. These include call-outs, delivery, labour and parts, electrical failure, mechanical failure and breakdown cover. A feature of this policy is that they cover both new and second-hand appliances across all brands. Though customers cannot claim within 28 days of purchasing the policy, after this time, no excess charges apply.
If customers are looking to insure more than one appliance, they can choose any combination of 1 to 10 items, and mix-and-match between kitchen, lounge and small appliances. Multi-product discounts are available.
Row offer single appliance cover, including for fridges and freezers. This includes protection against electrical and mechanical breakdown and accidental damage. Replacements and repairs are available should the customer's appliance breakdown. The insurance includes costs relating to parts, labour and call outs.
Should customers be looking to insure multiple appliances, there is up to 20% discount on the premium for additional items covered.
This content was last reviewed on 04/09/2018