Tokio Marine HCC International, Adrian Flux launch UK's first humanoid robot home insurance

The policy arrives before the products it insures are a common sight in UK homes. Tokio Marine HCC International and Adrian Flux describe it as the UK's first of its kind, and Adrian Flux compares it to the driverless car policy it launched in 2016, saying it will be updated as the technology and the risks evolve. That framing points to a product designed to be revised rather than fixed.

The cover is broad by household standards. Beyond damage to and theft of the robot itself, it addresses sudden damage the machine causes to the home or belongings, personal liability if it injures someone or damages property, and emergency recovery or safe disablement after an unforeseen malfunction — the scenarios most likely to sit outside a standard home policy.

Stuart Heath, head of distribution, international at TMHCCI, said insurance has traditionally reacted to rather than facilitated new markets, and framed this launch as an attempt to move earlier. Demand for the underlying product has already appeared in the United States, where early models are on open pre-order at $20,000, while domestic robots are expected to be in UK homes from 2027.