Tokio Marine HCC International (TMHCCI) and the specialist broker Adrian Flux launched what they describe as the UK’s first household insurance policy for domestic humanoid robots, announced on October 29, 2026. The cover is sold through Adrian Flux’s home insurance and underwritten by TMHCCI. It covers damage to and theft of the robot, sudden damage the robot causes to the home or belongings, personal liability if the robot injures someone or damages another person’s property, and the cost of emergency recovery or safe disablement after a sudden malfunction, Insurance Business reported.

Why it matters: home humanoids sold at around $20,000 add a new kind of risk to a household policy. Insurance turns the questions of damage, theft and liability into a line in the cost of ownership.

Key Facts

  • Launched: Oct 29, 2026; underwritten by TMHCCI, sold by Adrian Flux to UK customers
  • Covers: damage and theft of the robot; damage it causes; personal liability; recovery or safe shutdown after a malfunction
  • Theft replacement: new for old, same model or newest equivalent (Adrian Flux)
  • Not disclosed: premiums; which models qualify

Who is the policy for?

Very few people today. The companies expect domestic robots to appear in UK homes from 2027. In the US, home humanoids such as 1X’s NEO are on pre-order at around $20,000. The robot is named on the home policy. TMHCCI’s head of international distribution, Stuart Heath, said a robot costing thousands of pounds should not sit outside the household cover.

What does it not cover?

Home insurance covers the policyholder’s own legal liability. If a robot causes harm because of a design or software fault, the injured party or the homeowner’s insurer may pursue the manufacturer under product-liability law, Insurance Business noted. Adrian Flux launched a driverless-car policy in 2016 and says this one will be updated as the technology and risks change. Our coverage of the standards side is in humanoid safety standards.

Frequently Asked

Is there insurance for humanoid robots at home?

Yes. In the UK, Tokio Marine HCC International and Adrian Flux launched household cover for domestic humanoid robots on October 29, 2026.

What does the UK humanoid robot policy cover?

Damage to and theft of the robot, sudden damage the robot causes to the home or belongings, personal liability if it injures someone or damages another person’s property, and emergency recovery or safe disablement after a malfunction.

When are humanoid robots expected in UK homes?

The insurers expect domestic robots to start appearing in UK homes from 2027.

Sources & Further Reading