WHY IS MY HOTPOINT WASHING MACHINE?

WHY IS IT WHEN I PUT THE WASHER ON IT KEEPS TRIPPING OUT MY ELECTRIC.AND THERES A BAD SMELL OFF BURNING?? I,VE HAD A LOOK AT THE BACK OF THE MACHINE AND SEE NO BLACK MARKINGS OFF BURNING..THE WASHER IS ONLY 3 YEARS OLD AND MY INSURANCE WONT COVER IT BECAUSE THEY SAY ITS WEAR AND TEAR.. WE ONLY EVERY USED IT ONCE A WEEK.(wear and tear??)plz help