Kitchen Appliance Service Agreements: Are They Worth It? What They Cover

Nowadays, most kitchens contain a plethora of appliances. From specialist coffee machines to high-end French door refrigerators.

We all know how frustrating it is when a kitchen appliance breaks down, especially if its laundry day and the warranty has expired! But is kitchen appliance cover worth it? 

Head into our helpful article to find out for sure!

First, we will get a quick answer so you can get started straight away.

The best kitchen appliance cover will repair or replace any goods covered at no extra cost. It will cover kitchen appliances for wear and tear. Many of the best will cover integrated appliances, hobs and extractors. Cost can be as little as £5 a month.

Right, so with the brief in place, so we can better understand kitchen appliance cover and if it’s worth it, let’s get straight into details.

Is kitchen appliance cover worth it?

As most of us have found out, there is never a good time to say goodbye to your trusty hardworking kitchen appliances.

When your hard-working freezer, washer or dryer suddenly gives up it’s usually a sign that a huge expense you haven’t budgeted for is coming your way!

Don’t you just know that nine times out of ten it always happens just after the manufacturer’s warranty has expired? This is always particularly frustrating! 

It could be that you are still working out how to get the best out of your appliance when disaster strikes and you are left with the cost of either a repair or replacing any defunct household appliance. 

One way to emerge winning is to take out kitchen appliance cover which will pick up the exurban of your larger white goods when they break.

So what exactly is kitchen appliance cover?

Read on to find out more.

What is kitchen appliance cover? 

In a nutshell, kitchen appliance cover is exactly what it says it is. It’s an agreement designed to cover your white goods in the event of a breakdown. The crucial part is that the cover starts when they are out of warranty. 

An example of this kind of cover would be the repair of a leaky washing machine or a dryer that isn’t heating.

As an alternative, the manufacturer or store will contact you and offer you an ‘extended warranty’ which in essence, is kitchen appliance cover.

Another way is to use an expert dedicated home service company who can offer you cover on multi appliances. 

What does a kitchen appliance service agreement cover? 

Generally, a kitchen appliance service agreement covers two categories. The first category is smaller electrical appliances, such as: 

• Coffee machines
• Toasters 
• Kettles
• Sandwich makers 

These smaller items are generally fairly cheap to replace if they do go wrong and it might not be worth the cost of paying the cover in the long run. Make sure you do your maths carefully if you do decide to take out any small electrical appliance cover. 

Generally, this type of cover will be in the form of an extended warranty for each item individually and it can add up in the long run.

So if your toaster cost around £40 and your extended warranty might be costing you around £10 or more per month, it’s probably not worth taking out. 

However, it’s worth understanding that some smaller appliances such as coffee machines can be quite costly to replace and can cost up to around £300 to £400, which is roughly the cost to replace a budget washing machine!

So for anyone with top-of-the-range or more expensive kitchen gadgets, it might be worth taking out either store or manufacturer’s extended warranties. 

White goods and cookers 

The second group are the larger and generally more expensive white goods you will have in your home. 

These are items such as: 

• Dishwashers 
• Tumble dryers 
• Washing machines 
• Freezers 
• Fridges 
• Cookers 

Some of the best kitchen appliance service agreements will also cover cooker extras such as extractor fans, hobs and other integrated kitchen appliances.

Here at Homeforce, our plans give complete flexibility for you to add or change appliances as you need to throughout the duration of your plan. However, do check the terms thoroughly for more information. 

Does the kitchen appliance cover replace your broken item for any reason? 

Read on to find out. 

What kind of cover is provided by a kitchen appliance service agreement? 

Kitchen appliance service agreements generally cover domestic appliances or white goods against breakdown caused by wear and tear. 

As we mentioned previously, if you have very expensive appliances or top-of-the-range types, you may need to take out a higher level of cover. 

Generally speaking, you will pay more based on more appliances you want to cover. Some companies may offer a few per cent discount for multi-appliance cover.

What do kitchen appliance service agreements not cover?

Most companies won’t cover your appliance for any malicious or cosmetic damage. Some will also have an age limit on them too.  This is usually around 8 years. Some may even exclude certain manufacturers.

At Homeforce we cover most of the leading brands including:

• Hotpoint
• Indesit
• Worcester-Bosch
• Beko
• Hoover
• Samsung
• Lamona
• And many more.

Theft of goods is usually not covered by kitchen appliance cover plans, but, if this does happen to you, your home contents insurance should insure for that loss.

Does home contents insurance cover kitchen appliances?

Any basic home content insurance will cover your kitchen items for what’s known as ‘unforeseen circumstances. These are generally: 

• Natural disaster 
• Storm damage 
• Fire 
• Flood 
• Theft 

It’s worth noting that no home insurance policy will cover kitchen appliances against wear and tear, or breakdowns. 

Basic content insurance is available that will cover your kitchen appliances against damage caused by unforeseen circumstances. This includes the kind of damage that could be from a natural disaster such as storm damage, fire damage, flood damage and theft.

However, any kind of accidental damage is generally not covered under a standard or basic home insurance policy.

What do I need to know about kitchen appliance cover?

Check that the cover for your appliances provide you with:

• An emergency helpline number
• Has qualified and expert professional repair engineers 
• Offers free and unlimited call-out charges
• Provides cover for any new parts required to get your appliance up and running again 
• Includes all labour charges needed to repair your appliance 
• Provides you with a replacement if yours is beyond repair 
• Offers fully guaranteed breakdown work

How much does home appliance cover cost?

Cover costs vary but usually start from around £5 a month for one item but, if you have more than one item, then many of the best home appliance companies will offer discounts.

The more you cover, the more cost-effective it will be and it could end up costing you less to insure multiple items than just an individual appliance.

How do you pay for your appliance cover?

Like many other types of service agreements, appliance cover can be paid via a fixed monthly payment or even paid annually depending on the company. 

Do check first whether you have already taken out an extended warranty for your white goods so you aren’t doubling up on cost. 

Here at Homeforce, you can set up a simple direct debit so your plan will run seamlessly without any monthly bills to pay manually or reminders!

Your cover starts immediately from the time we receive your first payment. 

After 28 days you are able to make any claims. This is mainly because existing issues with any of your white goods aren’t covered, but after this time you will be able to access unlimited call-outs and repairs. 

And to finish on…

Here at Homeforce our kitchen appliance cover gives homeowners peace of mind that their white goods and more will be completely repaired or replaced due to breakdown from wear and tear.

There is no extra to pay on any callout or repair whatsoever. We pride ourselves on covering 100% of the costs of any repairs needed.

For the best kitchen appliance over find out more here.