Warning, warning, warning! If you are thinking of insuring your appliance with Row please stop. I think most of these reviews are about the application process which was easy enough because they want your money. I insured three appliances with Row in June 2020; a range cooker, an integrated fridge freezer and an integrated dishwasher. I pay just under £20 a month.   My cooker developed a fault in January and I contacted Row to arrange for the fault to be fixed, I then received an email which stated that I would be charged an insurance excess of £125 PLUS I would have to pay the remaining monthly payments to take me from January to the following June This took the total to over £180!   I have spoken with another company who have told me that the manufacturer of my oven would charge £125 to come out and repair my oven.   I am unhappy that I have been paying £20 a month for Row to do nothing more than to contact an engineer on my behalf. I believe that I have been paying £20 for a service which is completely unneeded and unnecessary. I am quite capable of calling an engineer from the manufacturer and arranging for the oven to be fixed.   When I took out the insurance I was under the impression that my appliances were insured and protected against fault or damage and my premiums were put towards the maintenance. I have no idea what they use my £20 a month for. PLEASE USE ANOTHER COMPANY