TV Insurance
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?
How to get cheaper TV insurance?
Can I insure more than one TV?
Do I need proof of purchase to claim for a TV?
Is it worth insuring a TV?
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