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Paying for a washing machine cover for a machine I do not have
Id be cancelling the policies asap, your just throwing money away, you coild put the money into a savings acount and use that when an appliance needs to be replaced.
Self funding and putting it in a savings account is far cheaper IMO.
Keep an eye on finances OP, or you will pay for it dearly.
I recently found an unrecognized 11 pound amazon charge on my credit card and they refunded it and sent me a new card, Imagine if I hadn't picked this up for years, you wouldn't pick this up routinely and think it was your regular spending.
I always check my accounts a few times a week and keep a spreadsheet of transactions as well.
"It is prudent when shopping for something important, not to limit yourself to Pound land/Estate Agents"