Row

Row: low-cost gadget and appliance insurance from Bournemouth

Row is a UK insurance provider that sells cover for consumer electronics, household appliances, boilers, home emergencies and motor breakdowns. The company presents itself as a family-run business with no shareholders other than its owner, and states that all policies are administered in-house rather than passed to third parties. Its call centre and support team are based in Bournemouth, and the service is offered online and by phone.

Pricing is a central part of the proposition: gadget and appliance policies are advertised from £1.49 per month, equivalent to 5p a day, while home emergency cover starts at £5.07 per month. The site also promotes a 20% discount when four or more items are insured, a 14-day money-back guarantee and the possibility of making multiple claims per year.

Gadget cover: phones, tablets, laptops and more

The gadget insurance line covers mobile phones, tablets, laptops, cameras, televisions, smart watches, sat navs, e-readers and games consoles. The policy is presented as protecting against accidental damage (excluding televisions), electrical and mechanical breakdown, with optional extras for loss, theft and unauthorised call cover for an additional £1 per month.

Product pages are organised by brand and model, including Apple iPhone, iPad and MacBook, Samsung Galaxy and Galaxy Note, Sony Xperia, HTC, Microsoft Lumia and Surface, Google Nexus, Amazon Kindle, TomTom and Garmin sat navs, Apple Watch, PlayStation, Xbox and Nintendo consoles, and Nikon and Canon cameras. Television cover is listed separately for Samsung, LG and Sony sets.

Appliance and boiler protection

Appliance insurance covers kitchen and white goods such as cookers, ovens, hobs, microwaves, fridges, freezers, dishwashers, washing machines, washer dryers and tumble dryers. The company also markets cover by appliance brand, naming AEG, Aga, Bosch, Hotpoint, Indesit, Neff, Rangemaster, Smeg and Whirlpool.

Boiler cover is available for homeowners and, separately, for landlords. The home emergency product is likewise split into standard and landlord versions, and the site states that home emergency policies include a 24/7 service line, cover up to £5,000 and zero excess.

Landlord and motor breakdown products

For landlords, Row bundles landlord insurance with landlord home emergency, landlord boiler cover and landlord appliance insurance. Motor breakdown cover is offered as a standalone product. The site describes the claims process as handled directly by the company: customers log in, complete a claim form and may be asked to supply relevant documents.

Company profile and customer metrics

Row describes itself as a multiple award-winning insurance company, citing Insurance Choice Awards wins and finalist placements in 2016 and 2017. It reports a Google rating of 4.73 and states that it has insured over 200,000 gadgets and appliances and that more than 20,000 people use its site every month. These figures are the company's own published claims at the time of writing this profile.