UK insurer and broker launch home cover for domestic humanoid robots

Tokio Marine HCC International and the specialist broker Adrian Flux announced on October 29 a household insurance policy for domestic humanoid robots in the UK. The companies call it the first of its kind in the country. Customers can add it through Adrian Flux's home insurance, with Tokio Marine HCC International acting as underwriter.

The cover includes the robot itself, damage the robot causes and personal liability. It also covers emergency recovery or safe disablement after a sudden malfunction. The robot is named on the home policy, and options can include accidental damage, fire and attempted theft. Stolen robots are replaced new-for-old with the same model or its newest equivalent. Use outside the home, such as carrying groceries, is also described as covered. A £5,000 limit applies to sudden damage to the home or insured belongings, but it is not presented as a ceiling for every claim type.

No standard premium is published, and each price is quoted individually based on the customer's circumstances.

Why it matters

Buying a humanoid robot raises questions beyond the price tag: who pays for repairs, theft or an accident in the home. Insurance puts a concrete figure on those risks. The UK policy follows China Pacific Insurance's product from October 2025, which targeted commercial users rather than households. Watch for published premiums, the full policy terms and any exclusions, none of which the companies have detailed, and whether other insurers follow.