Thursday 29 October 2026 - Company news

Tokio Marine HCC International and Adrian Flux partner to launch first-of-its-kind domestic humanoid robot coverage in the UK

Tokio Marine HCC International (TMHCCI), a member of the Tokio Marine HCC (TMHCC) group of companies based in Houston, Texas, and Adrian Flux today announced a partnership to launch the UK's first domestic humanoid robot household insurance policy. The cover is available to UK customers through Adrian Flux's home insurance offering, underwritten by TMHCCI. 

Robot cleaning

This new product class is intended to support the development of the emerging customer market. Demand has already emerged in the United States, where robotics and AI companies have launched humanoid robots for the home, with early models on open pre-order at $20,000. Domestic robots are expected to be in UK homes from 2027.

Stuart Heath, Head of Distribution, International at Tokio Marine HCC International, said: “A robot that costs thousands of pounds is not something you want sitting outside your insurance policy. Insurance has traditionally reacted to rather than facilitated new markets and products. TMHCCI has a long-established track record of developing innovative cover, and we are delighted to bring this to market with Adrian Flux.”

Gerry Bucke, General Manager, Adrian Flux, said: “As robots start to arrive in people's homes, we wanted to work with TMHCCI to provide clarity on who is responsible if something goes wrong. The new cover is the first of its kind in the UK. Like the driverless car policy we launched in 2016, it will be updated as the technology and the risks evolve.”

It appears to be the world's first policy that protects your home as well as the robot.

The new policy covers damage to, and theft of, the robot, sudden damage it causes to the home or belongings and personal liability if the android injures someone or damages property. It also provides emergency recovery or safe disablement of the humanoid following a sudden or unforeseen malfunction.

About Tokio Marine HCC 

Tokio Marine HCC is a member of the Tokio Marine Group, a premier global company founded in 1879 with a market capitalization of $84 billion as of June 30, 2026. Headquartered in Houston, Texas, Tokio Marine HCC is a leading specialty insurance group with offices in the United States, Mexico, the United Kingdom and Continental Europe. Tokio Marine HCC’s major domestic insurance companies have financial strength ratings of ‘A+’ (Strong) from S&P Global Ratings, ‘A++’ (Superior) from AM Best, and ‘AA-’ (Very Strong) from Fitch Ratings; its major international insurance companies have financial strength ratings of ‘A+’ (Strong) from S&P Global Ratings. Tokio Marine HCC is the marketing name used to describe the affiliated companies under the common ownership of HCC Insurance Holdings, Inc., a Delaware-incorporated insurance holding company. For more information about Tokio Marine HCC, please visit www.tokiomarinehcc.com.

Media contact:

Brian Norris
Cognito Media 
[email protected]

About Adrian Flux

Adrian Flux is the UK's largest specialist motor insurance broker, covering everything from classic and vintage cars to modified sports cars and much more. With more than 50 years' experience in arranging cover for every kind of car imaginable, Flux can find the right cover for a motorist's exact needs as well as working to find the best value for money policy. The brand also offers great rates on home, caravan, van and travel insurance.