Compare Tumble Dryer Insurance
- Single or Multi-Appliance Policies to Protect your Tumble Dryer.
- Compare Insurance to find the right policy for you.
The following providers offer Tumble Dryer insurance:
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- One of the most comprehensive packages on the market covering white and brown goods
- Insure as many items as required, to the value of £5,000
- Cover for unlimited kitchen and audio/visual appliances
- Rapid response UK network. parts, labour and call-out included
- Unlimited number of appliances included in your policy
- Covers parts, labour and call-out for all household brands
- Electrical and Mechanical breakdown covered across all brands
- Cover for kitchen and audio / visual appliances
- Affordable 'Repair or Replace' policies covering all brands
- Cover against accidental damage, mechanical and electrical breakdown
- Extended warranty and cover designed by Anthea Turner
- 'Fix or Replace' policy with cover provided from day 1
- Package covering Washing Machine, Dish Washer, Tumble Dryer, Fridge-Freezer and Hob
- Optional excess and all costs included, from labour to parts and call-out charges
- 7 Appliances protected, including all kitchen essentials
- Covered for unlimited call outs and claims
- Comprehensive cover package for your Washing Machine, Tumble Dryer and Fridge-Freezer
- Unlimited call-outs with no charge for parts or labour
- Single or Multi Appliance Policies with further discount on annual subscriptions
- Mechanical and electrical breakdown cover
Dryer Insurance and Extended Warranty
Drying clothes is a lot more hassle than getting them ready to wash, especially if you have to spend ages pegging every individual item to your washing line or searching for extra space on your radiators. They are quite simple appliances on the outside, but there are a lot of internal components which keep them going yet can quickly fail when you least expect it.
Which Tumble Dryer Types Can Be Covered?
Insurers will offer cover for almost any tumble dryer as part of a single or multi-appliance policy. There are three broad types of tumble dryer on the market for domestic use, and we compare the best available cover for these types and more:
- These require an outlet which pushes hot, used air outside, either via a hose or venting kit. This is passed through an external window or wall.
- These are ‘self-condensing’, so the moisture is removed from the clothing during the drying process and either drained away via the house drainage system or collected in a container which has to be emptied manually.
Heat Pump Dryers
- Similar to a condenser dryer, these recycle the air rather than eliminating it, which saves energy and lowers running costs. Instead of there being a heating element they include a small heat pump, such as the ones present in a refrigeration unit.
It’s worth noting that most insurers will cover any recognised brand or type of appliance but you should check with them directly before purchasing any policy, just to make sure.
The Benefits of Protecting your Tumble Dryer
Appliance insurance covers your domestic equipment for repair costs should they suddenly break down. All policies differ in what they provide you with, but most will include any charges up to a certain price limit. Insurance takes a lot of worry out of what you would do if your appliance suddenly broke down, as most of the expense will likely be covered and you can guarantee that the problem is completely solved.
Insurers will often arrange for a qualified engineer to assess and diagnose your problem, and they will then take the necessary action to get your appliance working again. If it can be repaired, they can arrange for parts to be delivered and fitted, so you are up and running in no time. If your product is beyond repair, some insurance companies even offer like-for-like replacements and will cover most if not all of the price tag.
There are also a lot of overlooked extra costs concerned with repairing or replacing appliances, such as engineer callout and delivery charges. Depending on your specific policy, these costs will also be covered, so you have no nasty surprises once your equipment is running again. Some plans charge excess on claims, but this will no doubt be a great deal less than the overall cost of repairing your product. Most companies get rid of the excess fee entirely after about a month of you being with them.
Insurance acts as an extended warranty, beyond your manufacturer’s guarantee. Guarantee’s usually only last for 12 months but, as with all electronics, any problems are most likely to occur beyond this time. Tumble dryers are expected to work well beyond ten years, so you don’t want to get a few years use out of yours before having to render it ineffective as you can’t afford to fix or replace it.
What Will My Policy Cover?
Insurance protects your appliance against breakdowns and sudden faults. As standard, providers will be able to contact an engineer who can identify your issue and repair your device with the relevant parts. Some will also ensure that if your appliance happens to be irreparable, you will be offered a new one which is the most similar available to your current model.
There is sometimes a limit on the total costs that your insurance provider will cover, and you will be required to pay the rest of the amount or any excess charges. However, this is likely to be a significantly lower amount of money compared to the full costs required to fix or replace your item.
The majority of problems with tumble dryers relate to air flow or temperature regulation, due to the way they work. Typically, tumble dryers draw in external air and pass it over heaters, blowing it around your clothes and collecting the excess moisture via vents or condensers. This process differs somewhat between brands/types of tumble dryer but, as a rule, if the appliance can’t draw in cold air or efficiently pass it through the machine, it will not work correctly.
The most common fault is that the tumble dryer is producing no heat. Sometimes, this can be fixed by clearing out the filters and vents during regular maintenance checks. However, if this doesn’t solve the problem, then the thermostats or heating elements may need to be replaced by a professional. Another common problem is that the drum may stop turning, which signals a concern with the belt or internal motor, and engineers can also fix these problems through insurance.
If your appliance becomes noisy or starts to shake when in use, the bearings or jockey wheels may be faulty, or the felt pads may have become worn. Even if you know what the particular problem is in this case, it is not easy to solve it without expert help.
Self-condensing tumble dryers are a lot more complicated. As they get rid of condensation internally, they can often leak water and create excess steam when in use. Keep the condenser clear of any blockages and contact your insurance provider if problems persist. The cost of any replacement parts will likely be covered if necessary.
Are There Any Incidents Not Covered?
Insurance providers do not often cover the costs of any malicious or cosmetic harm. This includes damage caused as a result of improper use or not following manufacturer’s instructions correctly, as well as using unsuitable cleaning products.
It is also your responsibility to regularly maintain your appliance and arrange annual services. In the case of a tumble dryer, this may mean clearing out the air vent or filters habitually or organising for a valet to deep clean your appliance every year. If the engineer suggests the breakdown has been the result of improper maintenance, the insurers may not cover you for any necessary repairs.
The disposal of any old products will also likely not be catered for, such as if your appliance needs to be replaced entirely or there are any old parts to discard. If you need a new product delivered and fitted, these costs may also not be included in the overall payout, but this differs from policy to policy. Most retailers will offer the service at an extra fee.
There may be a limit on the number of callouts and claims you can make within a specific time frame, and an age limit on the appliances you can insure on your policy. Again, this depends on your particular plan.
Is Tumble Dryer Insurance Worthwhile?
Tumble dryers aren’t the most essential of your white goods, but you still will have likely spent quite a bit of money on it. They can, therefore, be quite expensive to replace, and if you are in a busy household with regular wash loads needing to be dried, going for long without one could be a struggle.
As they are quite simple compared to most other large appliances, they are often quickly fixed. They are also usually used a lot less frequently than other domestic devices, so are less likely to break down from everyday wear and tear. Tumble dryers should last for 10-20 years, provided they are regularly maintained, and insurance will prolong this lifespan as it makes repairs a lot more accessible and inexpensive for you.
You will require appliance insurance if:
- Your manufacturer’s guarantee is about to run out. Leaving your appliance uninsured can be costly and difficult to deal with should something go wrong. Guarantees usually last for about a year, so make sure your appliance isn’t left without cover for a few days while you sort out a new policy.
- Your tumble dryer was expensive. Compare the overall cost of your chosen extended warranty policy against replacing your appliance, bearing in mind what a similar model would cost in a few years’ time. If you wouldn’t be able to exchange it for a much lesser price, insurance provides you with added security and obtaining a like-for-like model.
- You’d need it again ASAP. Insurance would prevent you having to wait until you can cover the full cost of a new appliance, which could take a while. You can have a good-as-new or even a brand-new appliance before you even start to miss it. Although they’re not a necessity, tumble dryers bring a lot of convenience to busy households, so suddenly being without one could be highly inconvenient.
How Much Does It Cost?
We compare a wide variety of insurance policies, covering a broad price range. Think about how much you want to spend every month/year on insurance, how long you want the insurance to last, and what exact cover you would like before you start researching policies.
If low cost is the most critical issue, there are policies which start at just a few pounds per month. If you are after an unlimited claims amount or the ability to cover an infinite amount of electronics, there are policies which allow for both of these, but you may have to spend a bit more.
Compare the available policies regarding benefits and cost – there may be one available from a company for a certain price but very limited cover benefits, yet a plan available from another company for just a few pounds extra with unlimited benefits.
Most companies offer pay-monthly, quarterly and annually plans. Some may offer a slight discount if you pay via the latter two options, so if you are in a position to do so, enquire to check any price differences. A lot of companies also offer discounts if you insure multiple appliances on the same plan, so if you are after a policy which will cover most of the products in your house, see if there are any multi-appliance plans which will include all of your items.
Why Doesn’t My Home Insurance Cover My Appliance?
Home and contents insurance will protect your internal appliances against theft, loss, and fire/flood damage, but it is uncommon that they also offer cover against electrical and maintenance breakdown as this is often the liability of the manufacturer. This is why appliance insurance is essential to protect you against any malfunctions and faults.
Is a Single- or Multi-Appliance Policy Best for my Tumble Dryer?
Single-appliance policies are available from retailers, manufacturers and insurance companies. They usually cater for your particular appliance if bought through the manufacturer, and engineers are likely to know the complete ins and outs of that product so may be better qualified to diagnose and fix any problems, as well as having official parts to hand (even if your model is no longer marketed). There are usually higher claims limits, and you are more likely to be able to cover very expensive products if on a single-appliance policy, no matter what brand you buy it through.
Multi-appliance insurance policies are often cheaper, as most companies offer a discount if you cover a certain amount of electronics. There are various multi-appliance policies available, at different prices and claims limits. If you would like only to insure your white kitchen goods, a plan which solely looks after kitchen gadgets may be the best option as this could get you better support and qualified engineers who are equipped to best deal with your specific appliance.
There are several policies which will allow you to insure electronics from all around your home, including televisions, small appliances or satellite boxes. This may be the best option if you would like to seamlessly cover all your devices under one policy and not have to worry about managing several accounts.