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Hearing Aid Insurance & Hearing Aid Warranty Cover

Whilst digital hearing aid insurance is an option, our hearing aid warranties come with some added benefits you may want to consider

Updated 15/01/2022

Hearing Aid Insurance & Hearing Aid Warranty Cover

Why cover your hearing aids?

Hearing aids are easily lost, misplaced or damaged and typically are one of the most expensive personal possessions an individual can own. Whilst some people are able to get their digital hearing aids covered under their household insurance, many insurance companies these days either don’t offer this or can charge a hefty premium to do so.

Some people are also concerned that they may lose their no-claims discount on their household insurance should they need to make a claim.


Now you have more flexibility - We offer both hearing aid insurance & hearing aid warranty cover

To give hearing aid users more flexibility around this issue, we now offer two options: hearing aid insurance and hearing aid warranty. Read the comparisons below to see if a warranty for your hearing aid could be a better option. 

So what's the difference?

Replacement Warranty

  • Includes accidental damage, theft or loss
  • Low fixed premium of £80 per aid per year
  • Premium remains the same irrelevant of make or model
  • Excess during claim dependent of make & model (calculated on warranty page)

Hearing Aid Insurance

  • Includes accidental damage, theft or loss
  • Premium of between £100 - £300 per aid per year*
  • Premium varies depending on hearing aid and personal circumstances
  • Making a claim may affect subsequent premiums
  • £50 excess during claim*

*Please note that the figures quoted are estimates and are subject to change.  Always check with your insurance company or agent for specific prices and terms.

Choose between Warranty & Insurance

If you have chosen between Warranty and Insurance, you can apply now by clicking on your choice below

Option 1

Hearing Aid Replacement Warranty


We provide a comprehensive replacement warranty for just £80 per hearing aid per year. This is a fixed fee and is the same for all makes and models. If your hearing aid is lost, stolen or damaged beyond repair we will replace it with a new one of exactly the same make and model.

Unlike insurance policies, we take no account of risk demographics such as postcode, claims history or hearing aid value when calculating the premium. If you make a claim then your premium does not go up. We also don’t share your claims information with anyone. If you make a claim then this will not affect any insurance policies that you may have.


  • Replacement warranty premium is payable annually in advance and is only £80 per hearing aid per year.
  • It applies to new hearing aids that are less than one year old and the maximum period we will cover hearing aids for is five years.
  • Your warranty covers the specific hearing aid (s) in question. In the event of you making a claim, you would pay the excess and then receive the replacement hearing aid usually within 10 working days.
  • The replacement aid would require a new policy if you wanted to cover your new aid.

Option 2

Hearing Aid Insurance Cover


We are able to put you in touch with a reputable insurance company that specialises in this field. The company is called Assetsure.

Assetsure is regulated by the Financial Conduct Authority, members of the British Insurance Brokers Association and Lloyds of London cover holders. The main benefits that they offer are:


  • Worldwide “All risks” Insurance.
  • No limit to the number of overseas trips of up to 60 days that can be made.
  • Cover includes; accidental damage, theft and loss (including unexplained disappearance).
  • A specialist replacement service via “Your Hearing".
  • Policy is fully underwritten at Lloyd’s of London.
  • Please fill in the form below for a quote.

Still need assistance? Call or message us today & we will be happy to help

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Hearing Aid Warranty vs Hearing Aid Insurance

What is the difference?

Hearing Aid Cover

You might have recently lost your hearing aids whilst taking off your mask - you aren't the only one. You might have also realised that your hearing aids aren't insured on your home insurance and ultimately have to pay out for new devices. At Hearing Aid UK, we have a hearing aid cover solution that's right for you.

It is commonly assumed that both warranty and insurance are the same things when in fact they are services that can cover different and individual fields.  Either way, getting some form of cover for your hearing aids is essential.  They are unfortunately commonly damaged, misplaced or lost.  Other than the obvious they are also one of the costliest possessions one can own, so a cover is paramount when purchasing devices such as these.

It is important to remember that although some insurance companies cover hearing aids under household insurance most don't.  Or if they do, they will probably charge a large premium to do so.  People are often put off claiming, due to issues regarding potentially losing their no claims discount on their existing household insurance if they do claim.

At Hearing Aid UK, we provide all our customer's versatility and offer both options.  Here we discuss the differences between the two covers and if choosing a warranty is the better option to take.


We will be discussing:



How to Cover Your Hearing Aids

Hearing Aid Replacement Warranty

A replacement warranty for hearing aids is a cover that guarantees the products you have invested in are completely free of any defects. The hearing aid manufacturers we work with are of high technology and reliability but in the unlikely event that they do – you will receive a replacement. This choice also covers any accidental damage, theft or if you misplace your hearing aids and regardless of claim - your premium rate stays fixed.

The replacement warranty does not cover any problems as a result of consumer negligence or the natural wear and tear of the hearing aids.  For example, this could be battery changes or tubing replacements.  So, in simple terms replacement warranty will cover any malfunctions that have occurred outside of your control.

Warranty replacement excess varies according to brand and model, but the premium remains the same whatever make or model and stays low, regardless of your circumstances.


Hearing Aid Insurance

We have collaborated with hearing aid insurance specialists 'Assestsure' whose policy covers you in-house and out and about.  This 'all-risks' worldwide insurance is not limited to the number of trips you take overseas (of up to sixty days).  Hearing aid insurance will help you cover the cost of damage, theft or loss. Unlike a replacement warranty, an insurance policy is likely to not cover problems due to mechanical or equipment malfunctions.

Like with most insurance policies, regardless of the cause for the claim, your premium will increase - and that will be dependent on the make and model of your hearing aids.  To gain full clarity of the terms and conditions of your claim and how it can affect your premium, you should always ask the insurance provider you have chosen to cover with.


The difference between hearing aid insurance and warranty - In brief

Our Replacement Warranty Cover



Our Insurance Cover



Why is hearing aid cover important?

Hearing aids can change your life and the innovation out there today ensures great connectivity, design and technology. Although they are an expensive investment, it's one that's worthwhile as long as you protect them. With cover, you will always have peace of mind when it comes to worrying about loss, damage, theft or if you can afford to replace them if any of these scenarios happen.

Let's put this into perspective.  We regularly choose to purchase cover for other electronic devices like phones and laptops - but very little thought is put into hearing aid cover.  If we think about it - we take cover out for our cars and realistically hearing aids are far more likely to get lost or damaged.   Therefore, why are they not commanding greater thought in terms of cover?



*Quotes are all subject to change - please check with your insurance provider for T & C specifications.

This page was written by Paul Harrison - Audiology Expert

Meet Paul Harrison, Audiology Expert

Managing Director & founder of Hearing Aid UK, with over 20 years of audiology experience and a member of the British Society of Hearing Aid Audiologists Council (BSHAA) between 2015-2020.

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When we refer to a product as 'New', we mean that the product is new to the market.


When we refer to a product as 'Superseded', we mean that there is a newer range available which replaces and improves on this product.


Older Model

When we refer to a product as an 'Older Model', we mean that it is has been superseded by at least two more recent hearing aid ranges.