Appliance Insurance

We take care of the unexpected costs of an appliance breakdown.

Ultimate Appliance Insurance

Insure up to £5,000 of appliances across your whole home with one convenient policy.

We are pleased to offer our Ultimate Appliance Insurance package. We can now offer even more value for money than ever before. Insure up to £5,000 of appliances across your whole home with one convenient policy.

Check out what's included

  • Cover up to £5,000 of appliances;
  • Up to £800 per call-out;
  • Up to £5,000 of claims per year;
  • All parts, labour and call-out fees included;
  • 24/7 expert technical help;

  • Covers appliances up to 8 years of age;
  • No excess fees for appliances under 5 years of age (after 1st 90 days);
  • £75 excess during 1st 90 days;
  • £75 excess for appliances over 5 years of age

Check out what you can cover

  • Cooker;
  • Cooker Hood;
  • Hob;
  • Oven;
  • Range Cooker;
  • Fridge Freezer;
  • Freezer;
  • Fridge;
  • Washing Machine;
  • Washer/Dryer;
  • Tumble Dryer;
  • Washer Dryer;
  • Dishwasher;
  • Wine/Beer Fridge
  • Blender;
  • Bread Maker;
  • Coffee Maker;
  • Deep Fat Fryer;
  • Food Mixer;
  • Food Processor;
  • Grilling Machine;
  • Steamer;
  • Halogen Oven;
  • Slow Cooker;
  • Smoothie Maker;
  • Juicer;
  • Kettle;
  • Microwave Oven;
  • Mini Oven;
  • Sandwich Maker;
  • Tea Maker;
  • Toaster;
  • Chip Fryer;
  • Coffee Machine;
  • Vacuum Cleaner
  • LCD TV;
  • LED TV;
  • Plasma TV;
  • 3D TV;
  • Sound Bar;
  • Digital Radio;
  • DVD/Blu Ray Players;
  • DVD Recorders;
  • Free View Box;
  • Games Consoles;
  • Hi-Fi Systems;
  • Surround Sound Equipment;
  • Home Cinema Kit;
  • Sky Digital/HD Box;
  • Sound Servers or MP3
  • Portable Air Conditioner;
  • Carpet Washer;
  • De-Humidifier;
  • Fan;
  • Home Cordless Phone and Base;
  • Home Telephone;
  • Home Telephone with Answer Machine;
  • Hair Dryer;
  • Hair Straighteners;
  • Men's Beard Trimmer;
  • Iron;
  • Sewing Machine;
  • Steam Cleaner;
  • Steam Press;
  • Trouser Press;
  • Vacuum Cleaner;
  • Men's Hair Clippers;
  • Electric Shaver;
  • TV Projector;
  • Electric Fires

Check out our fantastic prices

Normally £26.99 monthly, £296.89 per year.*

Offer Price £24.29 monthly, £267.20 per year.*

Total Kitchen Insurance

You can insure as many items as you want from our Kitchen Essentials and Kitchen Extras ranges to a value of £3,000.

We are pleased to offer our Total Kitchen Insurance package. We can now offer even more value for money than ever before.

Check out what's included

  • Cover up to £3,000 of appliances;
  • Up to £3,000 of claims per year;
  • All parts, labour and call-out fees included;
  • Up to £600 per call-out;
  • 24/7 expert technical help;

  • Covers appliances up to 8 years of age;
  • Excess £35 (after 1st 90 days);
  • £75 excess during 1st 90 days;
  • £75 excess for appliances over 5 years of age

Check out what you can cover

  • Cooker;
  • Cooker Hood;
  • Hob;
  • Oven;
  • Range Cooker;
  • Fridge Freezer;
  • Freezer;
  • Fridge;
  • Washing Machine;
  • Washer/Dryer;
  • Tumble Dryer;
  • Washer Dryer;
  • Dishwasher;
  • Wine/Beer Fridge
  • Blender;
  • Bread Maker;
  • Coffee Maker;
  • Deep Fat Fryer;
  • Food Mixer;
  • Food Processor;
  • Grilling Machine;
  • Steamer;
  • Halogen Oven;
  • Slow Cooker;
  • Smoothie Maker;
  • Juicer;
  • Kettle;
  • Microwave Oven;
  • Mini Oven;
  • Sandwich Maker;
  • Tea Maker;
  • Toaster;
  • Chip Fryer;
  • Coffee Machine;
  • Vacuum Cleaner

Check out our fantastic prices

Normally £19.99 monthly, £219.89 per year.*

Offer Price £18.99 monthly, £208.89 per year.*

Total Appliance Insurance

You can insure as many items as you want from our Home Electricals and Home Entertainment ranges up to a value of £3,000.

We are pleased to offer our Total Appliance Insurance package. We can now offer even more value for money than ever before.

Check out what's included

  • Cover up to £3,000 of appliances;
  • Up to £600 per call-out;
  • Up to £3,000 of claims per year;
  • All parts, labour and call-out fees included;
  • 24/7 expert technical help;

  • Covers appliances up to 8 years of age;
  • Excess £35 (after 1st 90 days);
  • £75 excess during 1st 90 days;
  • £75 excess for appliances over 5 years of age

Check out what you can cover

  • LCD TV;
  • LED TV;
  • Plasma TV;
  • 3D TV;
  • Sound Bar;
  • Digital Radio;
  • DVD/Blu Ray Players;
  • DVD Recorders;
  • Free View Box;
  • Games Consoles;
  • Hi-Fi Systems;
  • Surround Sound Equipment;
  • Home Cinema Kit;
  • Sky Digital/HD Box;
  • Sound Servers or MP3
  • Portable Air Conditioner;
  • Carpet Washer;
  • De-Humidifier;
  • Fan;
  • Home Cordless Phone and Base;
  • Home Telephone;
  • Home Telephone with Answer Machine;
  • Hair Dryer;
  • Hair Straighteners;
  • Men's Beard Trimmer;
  • Iron;
  • Sewing Machine;
  • Steam Cleaner;
  • Steam Press;
  • Trouser Press;
  • Vacuum Cleaner;
  • Men's Hair Clippers;
  • Electric Shaver;
  • TV Projector;
  • Electric Fires

Check out our fantastic prices

Normally £19.99 monthly, £219.89 per year.*

Offer Price £18.99 monthly, £208.89 per year.*

Kitchen Essentials Insurance

You can insure as many items as you want from our Kitchen Essentials range up to a value of £2,000.

We are pleased to offer our Kitchen Essentials insurance package. We can now offer even more value for money than ever before. You can insure as many items as you want from our Kitchen Essentials range up to a value of £2,000.

Check out what's included

  • Cover up to £2,000 of appliances;
  • Up to £400 per call-out;
  • Up to £2,000 of claims per year;
  • All parts, labour and call-out fees included;
  • 24/7 expert technical help;

  • Covers appliances up to 8 years of age
  • Excess £35 (after 1st 90 days);
  • £75 excess during 1st 90 days;
  • £75 excess for appliances over 5 years of age

Check out what you can cover

  • Cooker;
  • Cooker Hood;
  • Hob;
  • Oven;
  • Range Cooker;
  • Fridge Freezer;
  • Freezer;
  • Fridge;
  • Washing Machine;
  • Washer/Dryer;
  • Tumble Dryer;
  • Washer Dryer;
  • Dishwasher;
  • Wine/Beer Fridge

Check out our fantastic prices

Just £15.99 monthly, £175.89 per year.*

Home Entertainment Insurance

You can insure as many items as you want from our Home Entertainment range up to a value of £2,000.

We are pleased to offer our Home Entertainment Insurance package. We can now offer even more value for money than ever before. You can insure as many items as you want from our Home Entertainment range up to a value of £2,000.

Check out what's included

  • Cover up to £2,000 of appliances;
  • Up to £400 per call-out;
  • Up to £2,000 of claims per year;
  • All parts, labour and call-out fees included;
  • 24/7 expert technical help;

  • Covers appliances up to 8 years of age
  • Excess £35 (after 1st 90 days);
  • £75 excess during 1st 90 days;
  • £75 excess for appliances over 5 years of age

Check out what you can cover

  • LCD TV;
  • LED TV;
  • Plasma TV;
  • 3D TV;
  • Sound Bar;
  • Digital Radio;
  • DVD/Blu Ray Players;
  • DVD Recorders;
  • Free View Box;
  • Games Consoles;
  • Hi-Fi Systems;
  • Surround Sound Equipment;
  • Home Cinema Kit;
  • Sky Digital/HD Box;
  • Sound Servers or MP3

Check out our fantastic prices

Just £15.99 monthly, £175.89 per year.*

Frequently Asked Questions

If our FAQs do not answer your questions please us give us call. We are always happy to give help and advice.

Yes, we have a small standard excess fee of £35. If you claim within the first 3 months of the policy start date the excess fee will increase to £75 per claim. If your appliance is over 5 years of age at time of claim an excess fee of £75 per claim will also apply. Our Ultimate Appliance Insurance does not have a excess fee for a claim after 3 months of policy inception and appliances under 5 years of age.
You can have any number of claims up to maximum claims total for the policy taken out.
Yes. If you do not have the receipt we will also accept bank and credit card statements.
Yes, except for televisions.
Yes, you can add and remove appliance as you wish. See the Terms and Conditions for full details.
Yes, we cover all appliance brands. In the event that the parts for an appliance are no longer available we will base our settlement on the replacement cost of a product of similar specification and functionality at the time of the breakdown, subject to terms and conditions of your policy.
Once we’ve spoken to you about your claim, we aim to get our engineers to you within 2 working days. Our engineers will call you on the day of your appointment to update you on their arrival time.
Yes, call-outs, labour, parts, materials and VAT costs are included.
No, sorry, you can't insure an appliance if it is used for commercial purpose or on commercial premises.
We will always try and replace an appliance with an identical model or one of a similar specification and price range.
Yes, we are happy if you would rather choose your own appliance, as long we agree and it is of similar specification and price range as your existing appliance. We will refund you your money back within 28 days of receiving proof of purchase.
If you wish to cancel in the first year after your 14 day cooling off period there is a £35 administration fee. If you have had a claim within this time you will be liable for the cost of the claim or service. Alternatively, you can continue with the policy to the next renewal date.
Reactive Insurance Solutions are a highly experienced nationwide insurance service provider specialising in kitchen and home appliances, home emergency and televisual entertainment equipment insurance. Our head office and call centre are based in the South of England, from where we operate 24 hours a day, 7 days a week, 365 days a year.
SAGIC are The Salvation Army General Insurance Corporation Ltd. SAGIC are a wholly owned subsidiary of The Salvation Army. They are an ethical insurer as all profits made are given to The Salvation Army. The Salvation Army uses this money to help change people's lives for the better.
Just call our freephone number 0800 987 8035 and choose Option 2. Our claims team are here for you 24 hours a day, 7 days a week, 365 days a year. Please have your policy details to hand when you call.
If you have chosen to pay monthly, we will contact you every 12 months for you to review the suitability of your policy.
If you bought an annual policy, we will provide details concerning your renewal in plenty of time prior to the anniversary of your policy.
Unless you wish to cancel your insurance coverage with us you need do nothing more and your policy will automatically renew on the anniversary date using the payment details we have on file.
You can make payments using a Credit or Debit Card, or alternatively, you can set up a direct debit payment. Payments can be made monthly or annually.
Yes, simply give us a call on our freephone number 0800 987 8035, or email us at info@reactiveinsurance.co.uk, and we can set up a new payment date.
Give us a call on our freephone number 0800 987 8035, or email us at info@reactiveinsurance.co.uk and we will get new documents or terms and conditions sent straight out to you.
We're sorry to hear that. Please give us a call on 0800 987 8035 or email us at complaints@reactiveinsurance.co.uk and let us try and put things right.
Typically, most household contents insurance only provide cover for accidental damage, theft, fire and flood. Mechanical failure or breakdowns are not covered by standard contents insurance.