The specialist broker and Tokio Marine HCC International are covering robots that break, get stolen, or break your things
Humanoid robots have not yet arrived in British living rooms. The insurance policy for them already has.
Specialist UK broker Adrian Flux has teamed up with Tokio Marine HCC International (TMHCCI) to launch what the pair describe as the country’s first household insurance policy built specifically for domestic humanoid robots.
The product was unveiled on or around October 29-30, 2026. It arrives ahead of what the companies expect to be the first wave of humanoid robots entering UK homes from 2027.
What the policy actually covers
The cover works in two directions. It protects the robot itself, and it protects the household from whatever the robot might do.
On the first front, the policy covers damage to the machine and theft of it. On the second front, it extends to personal liability if the robot injures someone. It also covers damage the robot causes to the home or to belongings inside it.
The policy also includes cover for emergency shutdown and recovery.
Adrian Flux and TMHCCI are positioning the product as a way to bring clarity to liability as robotic technology develops.
Why insurers are moving now
Early consumer models are already available to pre-order in the US at approximately $20,000.
Adrian Flux General Manager Gerry Bucke stressed the importance of having cover in place as robots begin to work their way into everyday life. He pointed to the broker’s earlier move in 2016, when it introduced a policy for driverless cars.
Bucke also indicated that the robot policy is expected to evolve, much as the driverless car cover did.
Tokio Marine’s wider bet on robotics risk
For Tokio Marine, the UK product is part of a broader push. The group has been working to establish insurance for AI and robotic technologies in Japan.
TMHCCI’s premiums for AI and robot insurance in Japan run 20% higher than standard insurance costs. That premium reflects the uncertainty insurers face when pricing a risk with little claims history behind it.
The global physical AI market is projected to exceed $80 billion by 2035.
What this means for homeowners and the insurance market
For consumers, the immediate impact is modest. Most UK households will not own a humanoid robot in 2027, and early adopters will likely be a small, well-funded group.
Still, the policy answers a practical question that buyers would otherwise face with no clear answer. If a robot knocks over a family member, damages a neighbour’s property, or gets stolen from the hallway, a standard home policy may not respond cleanly. Dedicated cover removes some of that ambiguity.
Pricing is the other open question. If the Japanese experience of premiums 20% above standard levels carries over, robot owners could pay a notable surcharge for cover. On top of a purchase price of approximately $20,000 for early US models, that adds to the total cost of owning a household humanoid.
