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Cheap TV Insurance Policies

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Cheap TV insurance policies

TVs are still a household staple as gaming, casting and streaming have overtaken traditional broadcasting. But these are not the bulky appliances they once were. Today’s TVs boast features like 4K Ultra HD, curved screens, and LED light surrounds. And these all come with a price tag. 

Find out how to insure your TV is under a home contents policy, so you can protect your investment and cover the cost of repairs or replacement when things go wrong.

How to get TV insurance

Many gadget and appliance insurers will exclude coverage for TVs. This is because they are often already protected under a home contents policy. However, if you do not already have this cover, it can be frustrating when hunting down the correct cover for a TV. Here are some key considerations if you want to effectively insure a TV under home contents cover:

Single item limits

Contents policies typically set their own limits for how much they will pay out for a single item within your home. This is usually around the £1,500 mark. So if your TV costs more than this, you will need to choose a policy with higher single item limits, or add it as a high value item when taking out your insurance. This is a common practice, and something you can do easily when getting quotes for TV insurance.

Accidental damage cover for a TV

Cover for accidental damage does not come as standard with all home contents policies. If you want this cover, you might need to add it as an extra. Find out what extra coverage accidental damage cover can provide for your TV. 

New for old vs market value cover

These indicate how a home insurer will replace your TV when you make a claim. New for old protection means your TV will be replaced with a brand new equivalent. Market value cover means the wear and tear of your TV is considered, and the replacement will reflect the value of your TV at the time you are making the claim. You can find out which options an insurer is offering by reviewing their coverage details before you commit to buying from them. 

Do I need TV insurance if my TV is under warranty?

Many TVs will include a warranty against damages and malfunctions for the first year after purchase. These typically include free part replacements and repairs carried out at the expense of the TV manufacturer. 

Even if you have a warranty, insuring your TV beyond is still recommended. It give additional protection against more risks, including theft, water damage or even accidental damage.

What does TV insurance cover?

What is covered

Home insurance will cover the repair or replacement of your TV if it is damaged or lost due to an insured event. These events include:

  • Theft
  • Fire
  • Storms
  • Floods
  • Some policies will include accidental damage cover. 

What is not covered

Most contents policies will not cover:

  • Damage to the TV caused by wear and tear
  • Deliberate damage or neglect
  • Faults that existed before the start of the policy
  • Second hand TV or TVs over 10 years old

Other risks, like the TV malfunctioning or being recalled, will not be covered, but could be included in your TV’s manufacturer’s warranty.

How do I compare TV insurance policies?

To help you find the best TV insurance, it’s a good idea to compare:

Excess

How much you can pay towards the claim. A high excess will usually mean you will save money on your premium.

Premium costs

The cost of your policy depends on what TV insurance cover you want and your claims history.

Maximum cover

How much the insurer will pay out if you make a claim. This should be enough to cover replacing your TV if it breaks.

What kinds of damage are covered

For example, check the coverage for accidental spills or screen cracks and pay close attention to any exclusions.

Check if your insurer covers older TVs

Some insurers may not cover TVs older than 6 to 12 months old.

TV Insurance FAQs

Which TV makes and models can be covered by insurance?

You can get TV insurance for almost any TV make and model, including Hisense, LG, Panasonic, Philips, Samsung, Sony and Toshiba. In short, if you wish to cover your TV, then there’ll be a policy for you. The only notable exceptions are usually TVs which have been modified or altered since purchase.  

How to get cheaper TV insurance?

One of the easiest ways of finding cheaper TV insurance is to compare multiple quotes across a broad range of insurers. This increases your chances of finding cheap TV insurance as you are not limiting yourself to only a few insurers. 

Can I insure more than one TV?

Absolutely. Insurers will allow you to cover one or multiple TVs under one policy, and this will usually be a cheaper option than insuring them separately. 

Do I need proof of purchase to claim for a TV?

Yes, this is very likely to be requested if you need to claim for damage to a TV. You will also be asked to enter the value of the TV when you take out the policy, so being accurate at the time will help when it comes to making a claim. 

Is it worth insuring a TV?

This depends on the value of your TV and how you would get by without it if it were damaged or destroyed. Your financial situation is also important to consider. Could you replace it yourself? 

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