What we
don’t cover
Every provider in this market has a list like this. Most put it in a PDF you receive after you’ve paid.
Ours is here, in the same size as everything else, with a link to it from every page on the site.
Ref. EXC – 11 exclusions
The schedule
Ordered by how likely you are to run into it, not by how comfortable it is to read.
EXC-WAIT
Anything that breaks in your first 60 days
Each appliance has a 60-day waiting period from the day it's added to your plan before you can book a repair on it, and a breakdown in that window isn't covered. It stops people signing up with a machine that's already broken, which is what keeps the price where it is. If something fails during those 60 days, call us anyway, and we'll quote you for a one-off repair at our normal rate. This is separate from your 14-day right to cancel.
EXC-PREX
A fault that was already there
If the appliance was faulty, noisy, leaking or intermittent before you took cover out, that fault isn't covered. Cover is for things that go wrong after you're on the plan, not things that already have.
EXC-COSM
Scratches, dents and marks
Cosmetic damage isn't covered. If the door is scuffed but the machine works, that's not a breakdown. Handles, trims and fascias are only covered when the appliance won't function without them.
EXC-ACC
Accidental damage and misuse
Dropping it, overloading it, running it without water, putting the wrong thing through it. If the failure was caused rather than worn, it isn't a breakdown.
EXC-INST
Bad installation
Transit bolts left in, no earth, an unvented dryer in a sealed cupboard, a waste pipe plumbed uphill. If the appliance failed because of how it was fitted, that's a job for whoever fitted it.
EXC-CONS
Consumables and routine maintenance
Filters, bags, belts on vacuum brush bars, bulbs, shelves, seals you're meant to wipe, descaling, cleaning a blocked pump of coins and hair grips. Wear items and upkeep are yours.
EXC-WARR
Anything still under manufacturer's warranty
If the maker will fix it for free, we'll tell you to use them. We won't take your money for something you're already entitled to have done at no cost.
EXC-EXT
Fire, flood, theft and power surges
The plan is for breakdowns: things that wear out or fail on their own. Damage from something outside the appliance, like a fire, a flood, a lightning strike or a power surge, a burglary, or a pest getting into it, isn't a breakdown, and it isn't something the plan does.
EXC-SOFT
Apps, wifi and software
Smart features not connecting, an app that won't pair, a firmware update that went wrong. We fix appliances, not networks.
EXC-COMM
Commercial and business use
Cover is for domestic appliances in a home. Launderettes, holiday lets run as a business, salons, cafés and commercial kitchens aren't covered.
EXC-GEO
Outside the UK
We cover appliances at a UK address. That includes the Isle of Man and the Channel Islands. It doesn't extend beyond that.
Ref. NOT – When to walk away
Four reasons not to buy this at all
If any of these describe you, cover is the wrong purchase. We would rather say so now.
NOT-WARR
Your appliance is still under warranty
Use the manufacturer. It costs you nothing. Come back to us when the warranty runs out. Put a reminder in your phone for the month it expires.
NOT-OLD
The machine is well past its working life
On an appliance that old, the sums usually favour replacing rather than covering it. We'd rather say so now than take a year of payments and then tell you.
NOT-CASH
You could absorb a repair bill tomorrow without flinching
Then put the monthly amount in a savings account instead. Over enough years, people who can comfortably pay for their own repairs as they come come out ahead. That's how the maths works, and it works that way for every provider, not just us.
NOT-NOW
Something is broken right now
Cover won't help you today. There's a waiting period, and a fault that already exists isn't covered. Book a one-off repair instead. If you want cover afterwards, take it out once the machine is working again.
Still think it’s worth it?
Then you’ve read the worst of it and decided anyway, which is the only way anybody should be buying this.