The utility model discloses a 10 kV live-wire operation insulating clothes contingency tester comprising a test bench, a grounding electrode plate, a high-voltage electrode clamp collar, a high-voltage electrode plate, cotton cloth, woolen cloth, an electric voltage regulator, a booster transformer and an industrial mono-plate processor controller; the test bench is fixed with the grounding electrode plate which is provided with tested insulated clothes; the high-voltage electrode plate wrapped by the moist cotton cloth is arranged in the insulated clothes; the moist woolen cloth which is larger than the insulating clothes is arranged on the insulating clothes; the high-voltage electrode clamp collar is clamped on high-voltage electrode plate which is connected with the booster transformer; and the booster transformer, the electric voltage regulator are connected with the industrial mono-plate processor controller by lead wires. By adopting a flatbed electrode test method, the utility model overcomes the defects of a dummy man electrode test method and a water electrode test method. The tester is reasonable in whole structural design, convenient to use, safe and reliable and suitable for popularization and application in high-tension laboratories of power enterprises.