Domestic Appliance Guard
Quick Answer
Domestic Appliance Guard is a Bournemouth-based company selling appliance, boiler, landlord and plumbing cover plans from £3.50 a month, with repairs carried out by a network of approved engineers. Its appliance plans cover up to £1,000 per approved claim with parts and labour included. Two limits matter most: a £150 fee applies if you report a problem in the first 60 days, rising to £250 within 90 days on larger items, and the contribution towards a replacement falls to 20% once an appliance is over nine years old.
About this review
Every claim below is sourced to Domestic Appliance Guard’s own published material, the Companies House register or the Financial Services Register, with the source and date stated. Whitegoods Help has not tested the service and makes no claim to have done so. Nothing on this page is a personal recommendation about any financial product.
Domestic Appliance Guard advertises heavily through paid search, and its headline price of £3.50 a month is among the lowest in the appliance cover market. Low headline pricing in this sector is usually funded by limits and conditions elsewhere in the terms, so this review concentrates on finding them and setting them out plainly.
Who is Domestic Appliance Guard?
Domestic Appliance Guard sells home cover plans for kitchen appliances, boilers and heating, plumbing and drainage, and rented property. It also arranges one-off repairs without cover, extending to electrical work, pest control, locksmiths and window glazing.
The company does not employ the engineers who attend. It describes a nationwide network of approved engineers reached through its 24/7 helpline, and states that it only uses Gas Safe registered engineers and companies.
Its market position is price. Cover starts at £3.50 per appliance per month, with automatic discounts for covering several appliances and two free months on annual plans. That is materially cheaper than most competitors, and the terms that make it possible are set out below.
Advertised monthly price per appliance
Maximum per approved claim
Fee if you claim in the first 60 days
Replacement contribution once over nine years old
What do the public records show about the company?
Domestic Appliance Guard Ltd is registered in England under company number 10864196, incorporated on 13 July 2017, with a registered office at 4a Porchester Place, Bournemouth. Its status is active. Its registered business classification is repair of household appliances and home and garden equipment, rather than insurance or insurance intermediation.
| Detail | Position as at July 2026 |
|---|---|
| Registered name | Domestic Appliance Guard Ltd |
| Company number | 10864196 |
| Incorporated | 13 July 2017 |
| Registered office | 4a Porchester Place, Bournemouth, Dorset, BH8 8JS |
| Company status | Active, private limited company |
| Business classification | Repair of household appliances and home and garden equipment |
| Ownership | Majority controlled by The Domestic Group Ltd, company number 13987873, since 4 May 2022 |
| Group parent | The Domestic Group Ltd, incorporated 18 March 2022, a holding company at the same Bournemouth address |
| Product type | Described throughout as plans, with terms titled “Appliance & TV Plan Terms and Conditions” |
| Engineer model | A network of approved third party engineers, not employed staff |
Unlike the larger providers in this market, the company publishes no verifiable operational figures. No engineer count, customer number, founding date or claims statistic appeared on the pages reviewed, and its about us page is written as narrative rather than data. That is not a fault in itself, but it does mean there is less to check than with competitors who publish figures.
Is this insurance, and is the company FCA regulated?
This is the most important question on the page, and it needs handling precisely because the answer affects what protection a customer has.
Domestic Appliance Guard describes its products as plans throughout. Its terms and conditions page states that the terms “form the basis of your contract with us”, the appliance document is titled “Appliance & TV Plan Terms and Conditions”, and the documents hub lists plan terms rather than the Insurance Product Information Documents that accompany a regulated insurance sale. No statement of FCA authorisation appeared in the site footer or on any page reviewed.
Searches of the Financial Services Register on 26 July 2026 for both Domestic Appliance Guard and The Domestic Group returned no results.
A service plan is not the same thing as an insurance policy
Appliance service plans are a legitimate and long-established product, and selling them without FCA authorisation is lawful provided the product genuinely is a contract for services rather than a contract of insurance. Nothing on this page suggests otherwise. The company does not claim to be FCA regulated, so there is no inconsistency between its own material and the register.
What changes is your recourse. With a regulated insurance policy, the seller is bound by FCA conduct rules and an unresolved complaint can normally be referred free of charge to the Financial Ombudsman Service. With an unregulated service plan, that route is not normally available, and a dispute is a contractual matter to be pursued through the company’s own complaints process and, if necessary, the courts.
Your general consumer rights still apply. Services must be performed with reasonable care and skill under the Consumer Rights Act 2015, and misleading sales practices are prohibited under separate consumer protection law. See the Whitegoods Help consumer rights guidance.
Before buying, it is worth asking directly whether the plan is a contract of insurance, who if anyone underwrites it, and what independent complaints scheme the company belongs to. Any provider should be able to answer all three in writing. You can check any firm’s authorisation free of charge on the Financial Services Register, and compare how a regulated competitor presents the same information in the review of BIG Warranties or Domestic & General.
What does an appliance plan include?
On the company’s published terms, the appliance plan offers unlimited callouts and repairs, all parts and labour on approved repairs, cover up to £1,000 per approved claim, claims by phone or online 24 hours a day, and a contribution towards a replacement where a repair is not cost effective. Appliances of any age, make and model are accepted, and plans are offered to renters, homeowners and landlords.
| Feature | Published position |
|---|---|
| Monthly price | From £3.50 per appliance |
| Claim limit | Up to £1,000 per approved claim |
| Parts and labour | Included on approved repairs |
| Callouts and repairs | Unlimited |
| Early claim fee | £150 within the first 60 days. £250 within the first 90 days on American style fridge freezers and TVs |
| Pre-existing faults | Not covered unless declared when applying |
| Appliance age limit | None stated for acceptance, but the replacement contribution is age-tiered |
| Annual plan | Two months free, described as 12 months for the price of 10 |
Claiming early costs £150, or £250 on larger items
The company states that cover begins immediately, but that reporting a problem within the first 60 days carries a £150 fee. On American style fridge freezers and televisions, reporting an issue within the first 90 days carries a £250 fee. Both fees fall away once the relevant period has passed.
At £3.50 a month, a £150 fee is equivalent to more than three years of premiums on a single appliance. Anyone signing up because an appliance is already misbehaving should compare that fee against simply paying for a repair outright. Note too that pre-existing faults are excluded unless declared when the plan is taken out.
What happens if the appliance cannot be repaired?
The replacement contribution is tiered by the age of the appliance, and this is the term that most deserves attention. The company states it will contribute towards a replacement as follows.
| Age of appliance | Stated contribution |
|---|---|
| Less than 3 years old | 100% of the price |
| Less than 6 years old | 80% of the price |
| Less than 9 years old | 60% of the price |
| Over 9 years old | 20% of the price |
Read alongside the £1,000 ceiling, that produces an uncomfortable combination. The company will accept an appliance of any age, and the households most likely to want cover are those with older machines, yet an appliance over nine years old attracts only 20% towards a replacement. On a £400 washing machine that is £80.
Anyone covering an older appliance should work out what the plan would actually pay if the machine turned out to be beyond economical repair, and weigh that against the annual premium. The Whitegoods Help guidance on whether to repair or replace an appliance and on how long a washing machine should last is a useful check on that arithmetic.
What are the multi-appliance discounts?
The company advertises automatic discounts for covering more than one appliance, but two different schedules appear on the same page. The main panel gives 30% off for three to four appliances, 35% for five to six and 40% for seven or more. Further down, a second passage gives 20% off for three or more, 25% for five or more and 30% for seven or more.
Both were present when the page was checked in July 2026. Get the discount that applies to you confirmed in writing before agreeing to anything.
Who carries out the repairs?
Repairs are delivered by what the company describes as a nationwide network of approved local engineers, supported by a 24/7 helpline and an online claims system. It states that it uses only Gas Safe registered engineers and companies, which is the relevant qualification for its boiler and gas work.
No engineer numbers, coverage list or first-visit fix rate is published, and there is no indication that any engineers are employed directly. That is a common model and it can work perfectly well, but it does mean the quality of a visit depends on the local firm allocated to the job, and that there is less published information here than competitors provide.
One-off repairs without a plan are also offered, priced by quotation after submitting an enquiry form rather than from a published price list.
What are the genuine strengths and weaknesses?
The assessment below draws on the company’s published material, the Companies House register and the Financial Services Register. It is not based on testing the service.
Strengths
- Among the lowest advertised entry prices in the market at £3.50 per appliance per month
- Substantial multi-appliance discounts, applied automatically without codes
- Two months free on annual plans, which suits anyone paying up front
- Appliances of any age, make and model accepted, where several competitors decline older machines
- Unlimited callouts and repairs, with parts and labour included on approved claims
- Claims by phone or online 24 hours a day
- Publishes the early claim fees, the claim ceiling and the age-tiered replacement scale openly on the product page rather than burying them
- States that only Gas Safe registered engineers and companies are used
- Cover available to renters as well as homeowners and landlords
- Plan terms and conditions published for each product line
- One-off repairs available without taking out cover
Considerations
- A £150 fee applies to claims in the first 60 days, and £250 within 90 days on larger items
- The replacement contribution falls to 20% once an appliance is over nine years old, despite any age being accepted
- Claims are capped at £1,000, so an expensive integrated or American style appliance may not be fully covered
- No statement of FCA authorisation, and no register entry found, so the usual insurance complaints route is not likely to apply
- No insurer named, and no Insurance Product Information Documents published
- Two conflicting multi-appliance discount schedules appear on the same page
- No published engineer numbers, coverage list, customer numbers or claims statistics
- Engineers are third party contractors, with no indication of any employed fleet
- Plan terms are available only as downloadable PDFs, one of which is dated February 2024
- The site footer carried a 2025 copyright notice when checked in July 2026
- Repair pricing is by enquiry form rather than published
To be fair on the disclosure point
Several of the limits above are genuinely awkward for the company, and it publishes them anyway, in plain language, in the frequently asked questions on the product page. The early claim fees and the age-tiered replacement scale are stated openly rather than hidden in a PDF, which is more than some competitors manage.
The criticism here is not concealment. It is that a plan advertised at £3.50 a month needs to be read alongside those limits to understand what it is actually worth.
Is a plan at this price worth having?
Low-cost cover can make sense, but the arithmetic has to be done rather than assumed. At £3.50 a month a single appliance costs £42 a year. Across four appliances with the discount applied, the annual figure is still modest relative to one repair bill.
Set against that, three limits determine the value. The first 60 days effectively carry a £150 fee, so the plan is not a route to fixing something that is already faulty. Claims are capped at £1,000. And if the appliance is old, which is precisely when a plan feels most necessary, a write-off produces only a fraction of the replacement cost.
The honest summary is that this product is best value on relatively new appliances that you intend to keep, bought before anything goes wrong, and least valuable on the ageing machine that prompted the search in the first place. That is the opposite of how most people shop for appliance cover.
Check the rights you already have before paying for any cover
Under the Consumer Rights Act 2015 you may have a claim against the retailer for up to six years in England and Wales, and five years in Scotland, where goods were not of satisfactory quality. Manufacturers must also make functional spare parts available for years after a model was last sold.
Read the guidance on faulty appliances and the Consumer Rights Act, free five year parts guarantees and the Right to Repair rules. Whitegoods Help has also examined the underlying question in should you buy a washing machine extended warranty and the comparison of appliance insurance against subscription schemes.
Who might Domestic Appliance Guard suit, and who might it not?
Possibly a fitHouseholds wanting the cheapest available cover on several relatively new appliances, taken out well before anything goes wrong. Renters, who many providers will not cover. Landlords wanting low-cost cover across a portfolio alongside boiler and plumbing plans. Anyone who has read the early claim fees and the age-tiered replacement scale and is content with both.
Probably not the right choiceAnyone with an appliance already faulty or behaving oddly, given the £150 early claim fee and the pre-existing fault exclusion. Owners of appliances over nine years old, where a write-off pays 20%. Owners of expensive integrated or American style appliances, given the £1,000 ceiling. Anyone who wants the protection of a regulated insurance contract and an ombudsman route. Households that could absorb a one-off repair bill.
How does it compare with the alternatives?
| Route | Early claim cost | Claim ceiling | Regulated insurance? |
|---|---|---|---|
| Domestic Appliance Guard | £150 in first 60 days, £250 in 90 days on larger items | £1,000 per approved claim | No FCA authorisation claimed or found |
| BIG Warranties | No mandatory excess stated on appliance cover | Not stated on the pages reviewed | Yes, FCA reference 798998 |
| Domestic & General | £99 in first 90 days on late-started cover | A maximum repair value applies | Yes, register number 202111 |
| Pay as you go repair from NAC, Pacifica or Go Assist | Not applicable, you pay per repair | Not applicable | Not applicable, a service not a policy |
| Self-insuring | Not applicable | Whatever you have saved | Not applicable |
Comparing cover on headline monthly price alone is how people end up disappointed. The useful comparison is the total annual cost set against what the plan would actually pay on the appliance you own, at the age it is now.
Before you buy any appliance plan
Download and read the plan terms and conditions before paying anything, not after.
Ask in writing whether the plan is a contract of insurance, who underwrites it, and which complaints scheme applies.
Work out the age of each appliance and what the replacement scale would actually pay on it.
Declare any existing fault or odd behaviour at application, since undeclared pre-existing faults are excluded.
Confirm the discount, the claim ceiling and the early claim fee that apply to your plan in writing.
Diagnose the fault first. Start with the appliance error codes hub and the pre-repair checks worth doing first.
Keep a dated written record of every visit and diagnosis. See claiming compensation from a retailer or repairer.
Safety warning on DIY appliance repairs
Domestic appliances combine mains electricity with water, heat and moving parts. Always disconnect an appliance from the mains before removing any panel, and never work on a live appliance. Capacitors can retain a dangerous charge after disconnection.
Gas appliances must only be worked on by a Gas Safe registered engineer. If you smell gas, call the National Gas Emergency Service on 0800 111 999 immediately and check any engineer’s credentials on the Gas Safe Register. See the DIY repair safety guidance.
Attempting your own repair on a covered appliance may also invalidate a claim, so check the plan terms first.
What about spare parts?
Where an appliance is not covered, or where a claim would pay little, fitting the part yourself is an option for the reasonably confident. The full model and serial number from the rating plate determines which version of a part will fit.
Whitegoods Help maintains guidance on sourcing appliance spare parts, the difference between genuine and pattern parts, and what to check before buying spares.
Appliance broken and not covered?
If an appliance has failed and no plan applies, a one-off repair at a price agreed before the visit is often the cheaper route. Whitegoods Help can arrange a repair, or help you decide whether the machine is worth saving.
Frequently asked questions about Domestic Appliance Guard
How much does Domestic Appliance Guard cost?
Appliance cover is advertised from £3.50 per appliance per month, with automatic multi-appliance discounts and two free months on annual plans. Boiler, landlord and plumbing plans are priced separately. Get a quote for your own appliances and check the total annual cost rather than the headline monthly figure.
Is there an excess or a fee for claiming early?
Yes. The company states that cover starts immediately but a £150 fee applies if you report a problem within the first 60 days. On American style fridge freezers and televisions the fee is £250 within the first 90 days. Both fees fall away after the relevant period. Pre-existing faults are excluded unless declared when applying.
How much will it pay if my appliance cannot be repaired?
The contribution towards a replacement is tiered by age: 100% of the price if the appliance is under three years old, 80% under six years, 60% under nine years and 20% once over nine years. All claims are capped at £1,000. On an older appliance that can amount to a small fraction of the replacement cost.
Is Domestic Appliance Guard FCA regulated?
No statement of FCA authorisation appeared on any page reviewed, and searches of the Financial Services Register for both Domestic Appliance Guard and its parent, The Domestic Group, returned no results on 26 July 2026. The products are described as plans rather than insurance policies, and selling a genuine service plan without FCA authorisation is lawful. It does mean the Financial Ombudsman Service route that applies to insurance would not normally be available, so ask which complaints scheme does apply.
Will the company cover an old appliance?
It states that it covers appliances of any age, make and model, which is more generous on acceptance than several competitors. Read that alongside the age-tiered replacement scale, because acceptance and the amount payable on a write-off are two different things.
Who carries out the repairs?
A network of approved third party engineers rather than employed staff, arranged through a 24/7 helpline and online claims system. The company states it uses only Gas Safe registered engineers and companies. No engineer numbers or coverage list is published.
Can I get a one-off repair without taking out a plan?
Yes. One-off repairs are offered for appliances, boilers, plumbing, drainage, electrics, pest control, locksmithing and window glazing, priced by quotation after submitting an enquiry rather than from a published price list.
Editorial summary
Domestic Appliance Guard is the cheapest appliance cover reviewed on this site, and cheap is a legitimate proposition. Accepting appliances of any age, covering renters, applying automatic multi-appliance discounts and offering two free months on annual plans are all real advantages, and the company deserves credit for publishing its most awkward terms in plain English on the product page rather than hiding them in a PDF.
Those terms nonetheless change the picture substantially. A £150 fee on claims in the first 60 days means the plan cannot be used to solve a problem you already have. A £1,000 ceiling limits its usefulness on expensive integrated appliances. And the age-tiered replacement scale, dropping to 20% once an appliance passes nine years, means the cover is worth least on exactly the appliances people most want to protect. Read together, this is a product suited to newer machines insured in advance, not to an ageing kitchen.
The regulatory position is the other thing to weigh. The company does not claim FCA authorisation and none was found on the register, which is consistent with these being service plans rather than insurance and is lawful on that basis. Buyers should simply understand that they are entering a contract with the company rather than holding a regulated insurance policy, and that the ombudsman route which applies to insurance would not normally be open to them. Anyone who values that protection has regulated alternatives in this market.
The final reservation is about verifiability. Competitors publish engineer numbers, claims approval rates and coverage lists that can at least be examined and challenged. Here there is very little to check, two conflicting discount tables on one page, and plan documents dated 2024. For a household deciding whether to trust a company with a monthly payment, more published detail would help.
Content disclaimer
This page provides general consumer information and does not constitute legal or financial advice, nor a personal recommendation about any financial product. It reflects Domestic Appliance Guard’s published information, the Companies House register and the Financial Services Register as at 26 July 2026. Whitegoods Help has not tested the service. Prices, fees, limits, terms and company details change over time, so read the plan terms and verify current details before buying.
Sources
Companies House register: Domestic Appliance Guard Ltd, company number 10864196; The Domestic Group Ltd, company number 13987873; persons with significant control filings. Financial Services Register searches for “Domestic Appliance Guard” and “The Domestic Group”, both returning no results on 26 July 2026. The company’s own website at domesticapplianceguard.com, including the appliance cover, about us, repairs, terms and conditions and important documents pages, together with the legal disclosures in the site footer. Plan terms are published as downloadable PDF documents, including one titled “Appliance & TV Plan Terms and Conditions v2”, which were not opened during research. All web sources accessed 26 July 2026.
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