If you own a freestanding cooker then it’s important that you buy cooker insurance. Not only will your cooker cost a lot less if it’s stolen, damaged or destroyed but also it’s essential for peace of mind. When buying any insurance, it’s always best to get a policy from a reputable provider who can offer good value for money. So where do you go for good quality cooker insurance quotes?
Cooker insurance is available from many top quality providers such as A&E, Npower, Scottish Power, Eeco, British Gas and Euckels. Freestanding cooker insurance covers everything associated with a freestanding cooker, including a new cooker, any damage caused by the cooker (including burn marks and damage to the pan), and a defective cooker warranty. However it’s also possible to get a stand-alone cooker insurance policy for those who want extra protection, usually at a higher premium. Cooker insurance covers the entire lifecycle of the appliance from manufacturing to normal usage. This is known as an extended warranty and usually means your cooker will work for ever.
If your current fridge freezer or washing machine is faulty then it’s worth checking to see if you qualify for home appliances insurance. Often you won’t even need to purchase a new one, sometimes the problem is so bad that there’s simply no point in buying a brand new one. Home appliance insurance will cover a wide range of potential problems, including a fridge freezer or washing machine breaking down.
For example, your cooker may break down because of something that has happened in your home. The cooker manufacturer may have included a guarantee on their products in the original packaging, but it’s likely you’ve ignored it. A standard home warranty will cover a wide range of defects. However, if this guarantee is included in the price of the product then it’s probably safe to assume it’ll be honored by the retailer. It’s important to note that this won’t apply if the item was purchased in a ‘discounted’ manner – for example, through cash back or promotional schemes. Most retailers consider these sorts of purchases to be last minute and so will usually void any cooker warranty.
Typical home appliance policies will normally cover a host of potential problems. However, they don’t cover all possibilities and exclusions so it’s always a good idea to read the small print. Your appliance policy should cover accidental damage, such as the discoloring of your tiled bathroom floor caused by using your new stainless steel cooker. It should also cover repairs or replacement to your cooker if it’s stolen or damaged during transit. If your warranty doesn’t specifically state that it covers repairs to freestanding cookers, then it’s worth checking the individual policies of individual providers to see what they cover.
In addition to accidental damage, your cooker insurance cover will also provide cover for a range of possible complications. For example, it should provide cover for a range of possible damages resulting from misuse. Inevitably, it’s inevitable that your electric cooker will be opened and closed by children, causing burns and cracked knobs and buttons. Other possible causes of mechanical breakdown include electrical power spikes and surges, which could lead to water leaks in the wall. Even if your cooker is not deliberately tampered with, electrical power surges can still lead to damage to appliances and wiring. Again, it’s worth checking individual policies for more specific details.
It’s very important to understand the terms of your pre-existing conditions before taking out a policy. For instance, if you suffer from a chronic medical condition then you may not be eligible for an agreed Mechanical Breakdown or Accidental Damage policy. Similarly, you may struggle to take out a cover if you have a pre-existing or contracted disease. However, most providers will be happy to work out a payment plan that allows you to continue to pay for your cooker up to the point at which it becomes unusable as a result of a mechanical breakdown or other unforeseen circumstances.
In conclusion, when looking around for a suitable cooker insurance policy you should check the small print and ensure you understand what is not covered. As a general rule, it’s usually a good idea to opt for a comprehensive policy rather than a limited one, as these tend to offer a greater level of protection. There are some extremely useful tools online which allow you to quickly compare different policies from a number of the top UK insurance providers. Also, it’s a good idea to check the small print of any documents you’re considering, making sure that they’re not voiding your guarantee or committing legal breaches. A comprehensive Cooker and Oven Insurance policy are always the best choice for cookers, as it offers peace of mind and the assurance that your kitchen appliances will remain fully functional for many years to come.