UK gets home insurance for humanoid robots as Tokio Marine HCC and Adrian Flux launch cover
Tokio Marine HCC International and broker Adrian Flux launched the UK's first household policy for domestic humanoid robots on Oct 29, covering theft of and damage to the robot, damage it causes in the home, personal liability and safe disablement after a malfunction.
It is the second robot policy from the Tokio Marine group in four days, after Tokio Marine & Nichido's business cover in Japan.
Tokio Marine HCC International, the London-based arm of the US unit of Japan's Tokio Marine group, said in a press release on Oct 29 that it has partnered with UK broker Adrian Flux to sell what the two companies call the UK's first household insurance policy for domestic humanoid robots. The cover is sold through Adrian Flux's home insurance and underwritten by Tokio Marine HCC International.
What the policy pays for
The release lists four parts: 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 property; and emergency recovery or safe disablement of the machine after a sudden, unforeseen malfunction. The companies did not publish premiums, limits, exclusions or which robot models qualify. Adrian Flux said the policy will change as the technology and its risks change, as its 2016 driverless-car policy did. The insurers expect domestic robots in UK homes from 2027 and point to US home humanoids already on pre-order at USD 20,000, which matches the price of 1X Technologies' NEO in our explainer on humanoid robot prices.
Two robot policies from one group in four days
On Oct 26 Tokio Marine & Nichido Fire Insurance announced AI Robot Insurance for businesses in Japan from November, covering wheeled, quadruped and humanoid robots, third-party liability and downtime costs, with cyber incidents excluded and premiums set case by case. The UK product is the household counterpart from a different group company.
- Announced
- Oct 26, 2026
- Oct 29, 2026
- Buyer
- Businesses
- Households, via Adrian Flux
- Robots
- Wheeled, quadruped, humanoid
- Domestic humanoids
- Robot damage or theft
- Repair or replacement after accidents
- Damage and theft
- Liability
- Third parties
- Personal liability; damage to home and belongings
- Extra
- Downtime costs (substitute staff, rental robots)
- Emergency recovery or safe disablement
- Premium
- Case by case
- Not disclosed
Source: company releases of Oct 26 and Oct 29, 2026. As of Oct 30, 2026.
MEKAWIRE analysis
Insurers are writing robot cover before there is claims data, and the first policies define the risk as a household or a business-interruption problem rather than a product-liability one.
The UK policy puts the robot inside the home policy, so the first claim on a malfunctioning humanoid lands with the owner's insurer, which can then pursue the maker. That is the model British insurers used for automated cars before the Automated and Electric Vehicles Act 2018. The open question is pricing: neither Tokio Marine unit has disclosed a premium, and without one the policies tell buyers that cover exists, not what it costs. Signals to watch: the first published premium or limit, whether makers such as 1X bundle insurance with subscriptions, and whether other UK insurers follow before robots arrive in 2027.
- Theft of and damage to the robot, damage it causes, personal liability
- Tokio Marine & Nichido business robot cover in Japan from November 2026
- Oct 29, 2026, UK
- Adrian Flux home insurance
- Emergency recovery or safe disablement
- Tokio Marine HCC International
- Not disclosed