7th
Oct 2022
A table of common household appliances of a breakability likelihood causing insurance claims from landlords and homeowners has been drawn up.
Unsurprisingly cookers and ovens are the number 1 cause for home insurance claims.
A study carried out by a UK based financial services comparison platform says that cookers and ovens caused 111,426 accidents in the last ten years which is five times higher than the ‘runners up’ of grills and toasters.
In third place are hot plates, rings and microwaves and when added to grills and toasters incident there has been over 40,000 insurance claims over the past decade.
A spokesperson for the comparison platform, says; “Ensuring your appliances are used when it’s safe to do so, as well as kept in a good working condition is important. Not only can they be expensive to replace, but misuse of appliances can cause damage to the home, resulting in a home insurance claim.
“As our study suggests, appliances used for cooking are most likely to leave you claiming on your home insurance. For this reason, it’s important to consistently double-check that these appliances are safe for use:
- Make sure your oven or cooker is free from excess grease. A build-up of flammable liquids significantly increases the chances of a fire causing damage to your home;
- Check plugs and sockets for damage. Unusual burn marks or buzzing sounds are a clear sign that your appliance may need repairing or replacing;
- Become familiar with your appliance’s features. Appliances such as grills and hobs will have different needs depending on the model, and knowledge of these reduces the risk of an insurance claim;
- Use the correct equipment. Cookware such as pots and pans will be manufactured to withstand different conditions, so make sure your equipment can handle whatever heat you need;
- Never leave your cooking unattended. Doing this can prevent you from stopping a potential emergency before it gets out of control, and prevents unwanted damage to your property.”
She added: “Keeping appliances clean and working correctly is not only safer, but it could extend their lifespan. If your appliance is beyond repair, having a home appliance insurance policy should protect you. It means you could be offered a new model similar to the one you already have.”
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