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Insurance for horribly expensive hearing aids?

7 replies

ItchyItchyEars · 01/04/2025 21:31

My DH and myself have just bought state of the art hearing aids (Oticon 1 minirite_ with a long term support package for just over 5K per pair. Put them on your contents insurance, said the audiologist, but we can't because our company and others I've researched won't insure hearing aids costing over 5K.
Just wondering if anyone has managed to find insurance for expensive hearing aids?
It's a niche question, but Mumsnet is a niche platform.

OP posts:
lilahbelle · 01/04/2025 22:39

Try Assetsure.

Home insurance is fine for my clients, but generally our hearing aids are no more than £4000 a pair. I have heard Assetsure be recommended by other professionals, no personal experience myself!

ItchyItchyEars · 01/04/2025 23:05

lilahbelle · 01/04/2025 22:39

Try Assetsure.

Home insurance is fine for my clients, but generally our hearing aids are no more than £4000 a pair. I have heard Assetsure be recommended by other professionals, no personal experience myself!

Thank you. Unfortunately Assetsure only insure up to 5K per pair. My audiologist says her other clients have no problem insuring theirs but maybe they haven’t gone above 5K.

OP posts:
lilahbelle · 01/04/2025 23:37

I would just insure for 5k personally. Better some cover than none at all. Hopefully you never need to use it!

PickAChew · 01/04/2025 23:42

lilahbelle · 01/04/2025 23:37

I would just insure for 5k personally. Better some cover than none at all. Hopefully you never need to use it!

Insurance companies don't let you do that. They want receipts and will adjust down or deny a claim if you are underinsured.

Though if part of the cost is the support package then that might bring just the aids under 5k?

lilahbelle · 01/04/2025 23:48

PickAChew · 01/04/2025 23:42

Insurance companies don't let you do that. They want receipts and will adjust down or deny a claim if you are underinsured.

Though if part of the cost is the support package then that might bring just the aids under 5k?

I frequently have situations where clients are insured for x amount, but when they lose their discontinued model of hearing aids the newest equivalent they are quoted for is y amount. Insurance companies are used to this and normally either cover it minus excess, arrange a replacement through their own provider, or if you want to use your current provider they often offer a set amount of cash.

SusanOldknow · 04/07/2025 16:25

Appreciate this is an old thread so OP may have solved it - but you could try Hidden Hearing Oneplan ?

OurMavis · 04/07/2025 20:05

Blimey £5k for hearing aids!
I just got an upgrade on my NHS aids and I'm thrilled with them, can't think of anything they can't do that would be better.

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