Landlord Multi-Appliance Protection
What type of insurance is it?
This is a multi-appliance policy that covers most repair or replacement costs for domestic appliances that suffer breakdown as a result of sudden mechanical or electrical failure.
What type of appliances can I cover and how many?
You can cover the following domestic appliances: Dishwasher, Free Standing Cooker, Freezer, Fridge / Freezer , Hob, Oven, Microwave Oven, Refrigerator, Tumble Dryer, Washer/Dryer, Washing Machine.
The policy can cover a maximum number of 3 or 5 items depending upon the cover option you select provided you specify what they are, how much they cost and when you bought them at the time you take out the policy.
To benefit from the cover, all items to be insured should no longer be within the manufacturer guarantee period and be less than 8 years old. In addition the insured items must have been bought in the UK, be owned by you and installed in a property that you own.
What is the difference between Cover Level options?
There is no difference in the risks covered whichever option you select. The differences are in the number and type of products you can insure and in the maximum amount that you can claim during the period of insurance as follows:
Cover Level A
You can only insure domestic appliances (up to 3 items in all) and the maximum you can claim is limited to £1,000 during the period of insurance.
Cover Level B
You can insure domestic appliances up to a maximum of 5 in all. The maximum you can claim in any one period of insurance is limited to £ 1,500.
What does the policy cover me for?
The policy is designed to pay for repair costs following abrupt mechanical or electrical failure which prevents the item operating normally and necessitates repair to restore normal operation. If in our opinion the item is beyond economic repair we will, at our discretion, replace it with one of identical or similar specification provided the cost of replacement does not exceed the price paid for the original item.
If the item to be replaced is more than four years old a deduction for depreciation in accordance with the age related scale set out in the policy will apply to your claim.