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What is motor burnout cover?

Motor burnout cover is designed to cover you if the wiring of an electrical appliance’s motor burns out. It’s typically offered with home and contents or contents only policies as an optional extra.

This way, you can rest assured knowing you’ll have financial protection for any necessary repairs or replacements.

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Frequently asked questions

Why is motor burnout cover important?

If you stock your fridge with food and it suddenly stops working, or if your washing machine unexpectedly breaks down in the middle of a cycle, it may be due to the wiring of the appliances’ motor having burnt out. Financing those losses and repairs yourself would be a hassle – let alone expensive.

As such, motor burnout cover (sometimes called fusion damage or electric motor burnout) is such a crucial benefit to add to a contents or combined home and contents policy. It’s designed to cover you in the event that an appliance’s wiring burns out, which can be costly to repair or replace.

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Should I add motor burnout cover to my home and/or contents insurance?

Motor burnout is a more common problem than you might think. It can affect a variety of often-used household appliances, such as washing machines, refrigerators and freezers – anything that has an electrical motor and wiring.

Say your air conditioner unit stops dead in the middle of a hot summer or a storm causes a power surge, frying your appliances’ wiring. Could you afford to fix or replace these appliances out of your own pocket? With motor burnout insurance, you may not need to ask yourself that question.

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What is covered for motor burnout?

The specifics of what is covered for motor burnout may differ between policies and providers. To ensure you get the cover you need, it’s a good idea to compare policies. You can use our handy comparison service to do just that; our service is free, easy to use and takes only minutes.

You can also look through the following lists of inclusions and exclusions. Please be aware, however, that our list isn’t exhaustive. Always read the Product Disclosure Statement (PDS) to know what you’re covered for.

Some motor burnout policies may also include a benefit for food spoilage. Should your fridge or freezer experience motor burnout, your provider may pay for any perishable food that’s spoiled as a result.

Motor burnout insurance
What’s coveredWhat’s not covered
  • Fridges and freezers
  • Washing machines
  • Air conditioners
  • Vacuums
  • Fans
  • Motorised garage doors
  • Appliances older than a certain number of years
  • Appliances under warranty
  • Appliances used for business purposes
  • Pool pumps
  • Televisions, computers and laptops
N.B: Some items may be covered if you have motor burnout cover added to a home insurance policy, and others if it’s added to a contents policy.

What won't be covered for motor burnout?

Like any insurance policy, there are exclusions to your motor burnout cover. Some instances in which you wouldn’t be able to claim for motor burnout include:

  • general wear and tear
  • damaged switches, fuses and lighting or heating elements
  • damage caused by spoiled food
  • underground or submerged motors.

Exclusions may vary between policies and providers, so it’s always important to read the Product Disclosure Statement (PDS) of any insurance product before purchase.

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How much does cover for motor burnout cost?

Since motor burnout cover is an optional extra, adding it to your home and contents insurance policy will, in turn, add to your premiums. How much it increases by will vary between policies, providers and the individual customers themselves.

Find out how much different home and contents policies cost through our comparison service and get great-value cover today!

Who provides motor burnout cover in Australia?

If you’d like to compare home and contents insurance providers that offer motor burnout cover, you can head over to our comparison service. Our service can help you easily search, compare and purchase insurance right here and now, for free.

You can also look through the following list of home and contents insurance providers; the bolded providers are partners on our comparison service.

  • 1300 Insurance
  • 1st for Women Insurance
  • AAMI
  • Allianz
  • ANZ
  • Apia
  • Aussie
  • Australia Post
  • Australian Seniors
  • Australian Unity
  • Bank of Melbourne
  • Bank of Queensland
  • BankSA
  • Beyond Bank
  • Budget Direct
  • Bupa
  • CCI Personal Insurance
  • CGU
  • CHU
  • Coles Insurance
  • Commonwealth Bank
  • COTA Insurance
  • CUA
  • Elders Insurance
  • Essentials by AAI



Information accurate as at 6 November 2019.

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