lala - what do you want to insure it against - damage, loss or theft? I hate, and never buy the extra insurance deals offered by electrical white good suppliers - always find asking "if you expect it to breakdown within 3 years, perhaps I should not be buying it" - not pleasent for sales staff, because it is part of taught sales training. But you have to remember sales of goods act(or is it just common law) e.g. even after manufacturers guarantee has run out, supplier still has a responsibility to you - i.e. I would expect a washing m/c to last for 5 years without abuse - so would expect a repair / replacement m/c