Insurance for those cases only makes sense if you can’t afford for the washing machine to break. In that cases, however, it might be the right call

Because for like £200 a year I get insurance for literally all of my appliances including the boiler. And yes, boilers break and need replacement, that's usually at least £1500. Washing machines are cheaper but not insignificant. Same with the dishwasher, the dryer, the hob, the oven......

I'd rather pay that £200 once a year and have a complete peace of mind about it.