Wilko reviews | Fairer Finance

Wilko.com is a well-established British retail chain, best known for its broad and affordable selection of homeware and everyday essentials. Wilko.com have recently diversified its offering into the financial services space. As part of this expansion, it now provides pet, gadget and contents insurance.

Our product ratings for Wilko

Our product ratings are designed to help you choose a quality product. We rate policies on the key features that are most important for the majority of customers.

Gadget insurance

2 products reviewed

Mobile phone insurance

2 products reviewed

Gadget Insurance (150)
Gadget Insurance (200)

Wilko

Gadget Insurance (150)

Feature	Value
Maximum excess	£150.00
Accidental loss cover	Yes
Mechanical breakdown cover	Yes
Maximum single-item cover limit	Unlimited
Type of product	Stand-Alone
Mechanical breakdown cover replacement limit	Up to the value of the gadget being insured
Theft replacement limit	unlimited

Wilko

Gadget Insurance (200)

Feature	Value
Maximum excess	£200.00
Accidental loss cover	Yes
Mechanical breakdown cover	Yes
Maximum single-item cover limit	Unlimited
Type of product	Stand-Alone
Mechanical breakdown cover replacement limit	Up to the value of the gadget being insured
Theft replacement limit	unlimited

Home insurance (building and contents)

1 product reviewed

Contents insurance

1 product reviewed

Contents insurance

Wilko

Contents insurance

Feature	Value
Matching sets (contents)	No
Theft from outbuildings	£1,500.00
Cover for items away from home	Optional
Money in the home	£250.00
Property owner liability	£0.00
Escape of water excess (minimum)	N/A

Pet insurance

6 products reviewed

Cat insurance

3 products reviewed

Premium Lifetime Reinstatement
Basic Lifetime Reinstatement
Classic Maximum Benefit

Wilko

Premium Lifetime Reinstatement

Feature	Value
Medical excess	£69.00
Type of cover	Lifetime, condition-based
Medical cover limit	£7,500.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	N/A
Annual condition limit	£7,500.00
Lifetime policy limit	N/A
Lifetime condition limit	Unlimited

Wilko

Basic Lifetime Reinstatement

Feature	Value
Medical excess	£69.00
Type of cover	Lifetime, condition-based
Medical cover limit	£5,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	N/A
Annual condition limit	£5,000.00
Lifetime policy limit	N/A
Lifetime condition limit	Unlimited

Wilko

Classic Maximum Benefit

Feature	Value
Medical excess	£69.00
Type of cover	Maximum benefit, condition
Medical cover limit	£4,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	N/A
Annual condition limit	N/A
Lifetime policy limit	N/A
Lifetime condition limit	£4,000.00

Dog insurance

3 products reviewed

Premium Lifetime Reinstatement
Basic Lifetime Reinstatement
Classic Maximum Benefit

Wilko

Premium Lifetime Reinstatement

Feature	Value
Medical excess	£69.00
Type of cover	Lifetime, condition-based
Medical cover limit	£7,500.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	N/A
Annual condition limit	£7,500.00
Lifetime policy limit	N/A
Lifetime condition limit	Unlimited

Wilko

Basic Lifetime Reinstatement

Feature	Value
Medical excess	£69.00
Type of cover	Lifetime, condition-based
Medical cover limit	£5,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	N/A
Annual condition limit	£5,000.00
Lifetime policy limit	N/A
Lifetime condition limit	Unlimited

Wilko

Classic Maximum Benefit

Feature	Value
Medical excess	£69.00
Type of cover	Maximum benefit, condition
Medical cover limit	£4,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	N/A
Annual condition limit	N/A
Lifetime policy limit	N/A
Lifetime condition limit	£4,000.00