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Optional Motor Burnout cover

Home Insurance with optional cover for your household appliances

Why choose us?

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Cover for your household motors

Minimise the impact on your wallet to fix or replace household appliances.  
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Be ready for electrical appliance breakdowns

Cover for your household appliances for electric motor burnout or fusion damage. 
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24/7 claims process 

You can make a Home Insurance claim when it’s convenient for you. 

What is Motor Burnout cover?

This optional cover can help with the unexpected costs caused by electric motor burnout, also known as fusion damage.

Most household appliances, such as fridges and air conditioners, use electric motors. Changes to the electric current powering the motor, like a power surge, can cause the wiring or motor to ‘burn out’. If this happens, the appliance breaks down, leaving you with the costs to repair or replace it.

Motor Burnout is an optional cover that you can add to your Allianz Home and Contents Insurance. We can cover your electric household appliances as part of your Building Insurance or Contents Insurance, or both.

What our Motor Burnout option covers

Find out what is and isn’t covered under our Motor Burnout option.

  • Damage to your household appliances and white goods caused by an electrical current.
  • Motor fusion damage to your household appliances due to a power surge.
  • Appliances and white goods, including air conditioners, ceiling fans, dishwashers, electric garage doors, freezers, fridges, and washing machines.
WHAT'S NOT COVERED

  • Appliances and white goods more than 10 years old.
  • Damage due to wear and tear.
  • Damage covered by any warranty or manufacturer’s guarantee.
  • Repair or replacement costs for fuses, switches, electronic components, printed circuit boards, bearings, lighting or heating elements, protection devices, or electrical contacts.
  • The costs of removing or reinstalling pumps, rectifiers, and transformers.
WHAT'S COVERED

This is a summary only of some of the features and benefits available on Allianz Home Insurance, as well as some of the exclusions. Before deciding on a policy, carefully consider the relevant Product Disclosure Statement (PDS) and Supplementary PDS (where applicable) which set out the standard terms, conditions, limits and exclusions.
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How to add Motor Burnout cover to your policy

If you have our Home and Contents Insurance already, you can pay extra to add Motor Burnout cover to your policy.

Note: We include Motor Burnout within our optional Accidental Damage cover.

Do you need to add Motor Burnout to your Home and Contents Insurance policy? Our team is here to help you with a new policy.

CALL 13 1000

Frequently asked questions

It can help you manage the unexpected costs that result from appliance breakdowns. When a motor burns out, it can be expensive to repair or replace, potentially leaving you with a hefty bill.

By adding optional Motor Burnout cover to your Home and Contents Insurance policy you can help avoid unexpected expenses.

Yes, providing you have Allianz Contents Insurance, and your fridge or freezer is under 10 years old.

You’d need Motor Burnout cover if, for example, your washing machine stops mid-cycle due to a burnt-out motor. Here are a few situations where Motor Burnout cover can be useful:

  • Electrical power surges: if the electricity supply to your appliances suddenly increases and harms their motors.
  • Power fluctuations: if the electricity supply often goes up and down where you live.
  • Expensive appliances: if your appliances are expensive to replace, Motor Burnout cover can be a good idea. It helps you avoid paying for unexpected repairs or replacements that could strain your budget.

Remember to read the relevant PDS to understand when and how Motor Burnout cover applies.

You can add Motor Burnout cover to your Home and Contents Insurance, Building Insurance or Contents Insurance, for an extra cost. This will depend on the cost of your insurance, called your premium, and the excess you choose.1
It’s the same as motor burnout. Motor fusion and motor burnout happen when an electrical motor burns out due to an electrical current issue. This could be a power surge or short circuit. The motor stops working, causing the appliance to break down.

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*Conditions apply

  1. Option to change your excess

    Home: Not available with respect to any additional compulsory excess, imposed excess applied to the policy or to the Portable contents excess. Any reduction in premium will not be applied to government taxes and charges, or to optional covers (if available and selected): Domestic Workers compensation, Flood or Portable contents. Minimum premiums apply.

Allianz acknowledges Aboriginal and Torres Strait Islander peoples as the Traditional Custodians of the lands on which we live and work across Australia. We pay our respect to First Nations Elders past and present.



Any advice here does not take into account your individual objectives, financial situation or needs. Terms, conditions, limits, and exclusions apply. Before making a decision about this insurance, consider the relevant Product Disclosure Statement (PDS)/Policy Wording and Supplementary PDS (if applicable). Where applicable, the PDS/Policy Wording, Supplementary PDS and Target Market Determination (TMD) for this insurance are available on this website. We do not provide any form of advice if you call us to enquire about or purchase a product.

Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 is the insurer of any general insurance products offered, and Allianz Australia Life Insurance Limited ABN 27 076 033 782 AFS Licence No. 296559 is the insurer of any life insurance products offered. Each entity is responsible for any statements and representations made about its products, on this website.