LAST REVIEWED: JUNE 2026
Domestic and General scores 59/100 on the KT Score. Domestic and General (D&G) is the UK's largest specialist appliance warranty and protection plan provider, covering washing machines, dishwashers, televisions, boilers and other household appliances. D&G is FCA-authorised under FRN 312468 and operates both direct-to-consumer and white-label partnerships with appliance manufacturers and retailers. The 59 score reflects market-leading scale and breadth of manufacturer partnerships, offset by above-average FOS complaint volumes in the extended warranty sector and a business model that relies on consumers not fully reading exclusion terms before purchase.
What Domestic and General does
Domestic and General was founded in 1912 and is the largest specialist appliance protection plan provider in the UK. It sells appliance warranty and protection plans directly to consumers under the Domestic and General brand and through white-label partnerships with major appliance manufacturers including Bosch, Siemens, Neff, Miele and Samsung, and retailers including John Lewis and Currys.
D&G's core product is an appliance protection plan that extends beyond the manufacturer warranty period. Plans typically cover repair or replacement of the covered appliance including parts, labour and call-out costs. D&G operates a national network of approved repair engineers and has relationships with manufacturer-certified service centres for specialist repairs.
D&G is FCA-authorised under FRN 312468 as an insurance intermediary. Its protection plans are classified as insurance products under the Insurance Distribution Directive. This means FCA Consumer Duty obligations apply to D&G's sales and distribution processes, including requirements that products represent fair value and that consumers are given adequate information to make informed purchasing decisions.
D&G also offers boiler cover and home emergency protection plans that compete with similar products from British Gas, HomeServe and energy suppliers. These products cover boiler breakdown, central heating failure, plumbing emergencies and loss of home security.
Products and services
| Product | Covers | KT review |
|---|---|---|
| Appliance protection plan | Washing machines, dishwashers, TVs, fridges, ovens | Appliance insurance UK |
| Boiler cover | Boiler breakdown, parts and labour, annual service | Boiler cover UK |
| Home emergency | Plumbing, drainage, home security, pest control | Home emergency cover UK |
| Multi-appliance plan | Multiple appliances on one plan; monthly subscription | Multi-appliance insurance |
| White goods insurance | Washing machine, fridge, freezer, dishwasher | White goods insurance UK |
How Domestic and General compares
| Provider | KT Score | Appliances | Boiler | Best for |
|---|---|---|---|---|
| Domestic and General | 59 | Yes | Yes | Manufacturer-certified repairs, breadth |
| British Gas HomeCare | 61 | Limited | Yes | Boiler cover, engineer network |
| HomeServe | 57 | No | Yes | Home emergency, plumbing and drainage |
See also: Appliance insurance UK | Boiler cover UK | Home emergency cover UK
Disclaimer: This profile is produced by Kael Tripton Ltd for informational purposes only. It does not constitute financial advice or a recommendation to purchase any product or service. KT Scores are independent editorial assessments based on publicly available primary data. Kael Tripton Ltd is not authorised or regulated by the FCA. Verify all details directly with the provider before making any purchasing decision. Kael Tripton Ltd, Company No. 17177071, ICO ZC135439.
Frequently asked questions
Is Domestic and General worth it?
Whether a D&G protection plan represents value depends on the appliance age, replacement cost and the consumer's appetite for repair risk. For appliances within the manufacturer warranty period, a D&G plan adds no value as manufacturer warranty covers the same risks. For appliances aged two to five years that are out of warranty but still within expected lifespan, a D&G plan can be cost-effective if the appliance would be expensive to repair or replace. The FCA's Consumer Duty requires D&G to demonstrate that its products represent fair value; the regulator has scrutinised extended warranty products historically for poor value relative to premium paid.
Is Domestic and General FCA regulated?
Yes. Domestic and General Insurance PLC is authorised by the Prudential Regulation Authority and regulated by both the FCA and PRA under FRN 312468. Its protection plans are classified as insurance products under the Insurance Distribution Directive. This means consumers have access to the Financial Ombudsman Service if a complaint is not resolved by D&G, and to Financial Services Compensation Scheme protection applicable to insurance products. FCA Consumer Duty obligations apply to D&G's product design, pricing and distribution.
What does a Domestic and General plan actually cover?
D&G appliance protection plans cover mechanical and electrical breakdown of the covered appliance including parts, labour and call-out costs. They do not cover cosmetic damage, accidental damage (unless an accidental damage add-on is selected), consumable parts such as filters and seals that wear out normally, or damage caused by misuse or failure to follow manufacturer instructions. The specific exclusions vary by plan and appliance type. Reading the policy document rather than the marketing summary is essential before purchasing.
How do I make a claim with Domestic and General?
Claims are made via the D&G website at domesticandgeneral.com or by calling D&G's claims line. D&G arranges a repair engineer visit, typically through manufacturer-certified service networks. If the appliance cannot be repaired economically, D&G may offer a replacement. Consumers should retain proof of purchase for the appliance and the plan documentation when making a claim. If a claim is refused and the consumer disagrees, a formal complaint can be raised with D&G and escalated to the Financial Ombudsman Service if unresolved within eight weeks.
How does Domestic and General compare to British Gas HomeCare?
D&G and British Gas HomeCare serve overlapping but distinct needs. D&G is stronger for individual appliance protection plans, particularly for specific branded appliances where D&G has manufacturer-certified repair agreements. British Gas HomeCare is stronger for boiler cover and central heating systems, where its directly employed engineer network provides faster response times in many areas. For a household wanting both appliance cover and boiler cover, comparing a D&G multi-appliance plan against a British Gas HomeCare package on a like-for-like basis produces the clearest picture of relative value.
