UK home insurance for humanoid robots lands before the robots do
The insurers behind a new UK home insurance policy for domestic humanoid robots don’t expect the machines in British homes before 2027.
Adrian Flux and Tokio Marine HCC International announced a UK home insurance policy built specifically for domestic humanoid robots, reported in UK trade press on October 29 and 30, 2026. The two firms call it the UK’s first cover of its kind, and say it may be the first policy anywhere to protect both a robot and the house it lives in.
The policy pays for damage to or theft of the robot, sudden damage it causes to the home or someone else’s belongings, and personal liability if it injures a person or damages their property. It also covers emergency recovery or safe disablement after a malfunction.
A robot that costs thousands of pounds is not something you want sitting outside your insurance policy.
Stuart Heath, Tokio Marine HCC International head of distribution
Gerry Bucke, Adrian Flux’s general manager, put the arrival date further out than the announcement implies. He compared the new cover to the driverless-car policy the broker wrote in 2016, years before such a car was legally on a UK road. Domestic humanoid robots, he said, are expected to start arriving in UK homes from 2027.
No mainstream domestic humanoid is shipping into UK homes in volume yet. But a developer-grade one already sells today: Unitree’s R1 lists at $5,900 direct from the maker, shipped internationally with the buyer covering customs. That price sits inside the range Heath described as too costly to leave uninsured, years before the 2027 date Bucke gave.
Neither company has published what the cover itself costs. Neither has said how many households have asked about it, whether a claim has been filed, or whether a robot bought today, like the R1, would qualify under the same terms the firms are describing for a 2027 that has not arrived.
