Take the 'dam' out of damaged furniture with our Furniture Insurance. How it works is simple - we'll
take care of accidental damage or structural defects, so you can relax.

What's covered

  • 3 years cover, which includes your manufacturer's warranty
  • Accidental damage covered on all furniture including rips, burns and stains from day one
  • Structural defects covered on all furniture including damaged frames, springs and cushions
    after the manufacturer's warranty ends
  • Repairs carried out in your own home where possible
  • No excess to pay
  • We'll give you a brand new replacement* if we can't repair your item
  • If we can't replace your furniture we will provide an alternative settlement

*Of identical specification or equivalent specification

What's not covered

  • You're not covered if you have failed to follow the manufacturer's instructions
  • Structural defects occurring during the manufacturer's warranty period
  • Accidental damage as a result of not taking care of the item
  • Normal wear and tear from everyday use
  • Repairs carried out by persons not authorised by us
  • Any replacement items provided won't be covered

    How to buy Furniture Insurance

  • Go shopping as usual and when you've chosen the item you want to buy, simply select your level of cover
    from the drop down menu.
  • If you want to protect an item you've already bought from us just log in to My Account
    and select your cover.
  • Don't miss out, you can only buy Furniture Insurance within the first 60 days of your purchase.

Frequently asked questions

Why should I buy Furniture Insurance - is my furniture likely to break?

Even the most reliable products and brands can develop structural defects. As your furniture gets older there's a higher likelihood that it could develop a structural defect. Furniture Insurance provides protection for up to 3 years, giving you the peace of mind that you wouldn't need to pay for repair or replacement if your product developed a fault within this time.

The cover for structural defects starts on the expiry of the manufacturer’s warranty period. The policy also covers you for accidental damage including staining, rips, tears & burns from the day your furniture is despatched. The cover excludes some situations for example; not taking care of your item, wilful abuse or misuse and wear and tear.

Will I be covered under home contents insurance or other insurance products?

Please check your household insurance policy carefully to see what you are covered for. Typically your household insurance will not cover you for structural defects to your furniture and may not cover you for accidental damage either. You may also be covered if you hold any other insurance products so please check these too.

For these types of cover you may also need to pay an excess charge and your premiums may increase as a result of claims. With our Furniture Insurance structural and accidental damage is included as standard with no excess to pay.

Won't my product purchase come with a manufacturer's warranty?

Most manufacturers offer a 12-month guarantee against any structural defects. With our Furniture Insurance you'll be protected for up to 3 years after the manufacturer's guarantee, and if we can't repair it we'll arrange a replacement. In addition, most manufacturer's guarantees won't cover you for accidental damage.

Isn't Furniture Insurance expensive?

The cost of Furniture Insurance is small compared to the amount you may have to pay to repair or replace your item.

Is there an excess to pay on my Furniture Insurance?

No, there's no excess to pay if your product needs to be repaired or replaced. We'll arrange to repair your product at no cost to you subject to the terms and conditions.

Will my Furniture Insurance end if I have any repairs?

No, our Furniture Insurance will continue after you've had a repair carried out and there's no limit to the number of repair requests you can make, up to the original purchase price of the product.

Will my Furniture Insurance end if my item is replaced?

If your item is replaced then the Insurance will end and you will be given the option to purchase a new furniture policy for your replacement product. Please note, if you've bought insurance to cover a set, such as a three-piece suite for example, the cover will continue for any items which haven't been replaced.

How do I make a claim?

The process is very straightforward. One call to our claims administrator TWG and they will arrange to repair your product. Call-out, parts and labour charges are all covered and there are no forms to fill in. It couldn't be simpler! If your claim is due to staining you must report your claim within 24 hours. If your claim is due to structural defects, accidental damage, rips, tears or burns, it must be reported to TWG within 5 days.

If my product has a structural defect, do I have rights under the Sale of Goods Act?

You're protected under the Sale of Goods Act 1979 and under the Supply of Goods to Consumers Regulations 2002. If the product is not of satisfactory quality or fit for purpose, you have the right to claim for repair or replacement for up to 6 years. However, after the first 6 months, you'll need to prove that the item was faulty when it was sold. For more information you could contact your local trading standards department or Citizens Advice Bureau.

If my furniture has a structural defect in the first year, who should I contact?

You must contact the Shop Direct Home Shopping as structural defects within the manufacturer's guarantee are not covered under this insurance.

I have a three-piece suite. One of the armchairs is damaged and can't be repaired or replaced, so what will happen?

If the three-piece suite is no longer available, we would replace your chair with a similar chair of your choice (subject to the market value) or you could be offered an alternative settlement.

I've decided that I don't want the Furniture Insurance any longer - can I cancel the policy and get my premiums refunded?

If you cancel your policy within 45 days of taking out the cover you’ll receive a full refund of your premiums. If you cancel your policy after 45 days you will receive a pro rata refund based on the number of unexpired months remaining.

Terms & conditions apply. Furniture Insurance is arranged by Shop Direct Home Shopping Limited. Registered Number 4663281. Registered Office: First Floor, Skyways House, Speke Road, Speke, Liverpool, L70 1AB. The Insurer is London General Insurance Company Limited (LGI). Registered Number: 1865673. Registered Office: Integra House, Floor 2, Vicarage Road, Egham, Surrey TW20 9JZ. LGI is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 202689). Calls cost up to 7p per minute plus your telephone company’s network access charges.

Nothing to pay for a whole year when you spend £50 or more

Avoid interest by paying in full within 12 months. BNPL is only available on interest bearing terms.

Credit is provided, subject to credit and account status by Shop Direct Finance Company Limited.

Representative 0% APR


You can select it in checkout by clicking the Buy Now Pay Later "Add to order button". At this point you’ll choose to spread the cost over a 12 month payment free period plus a further period of either 104 or 156 weeks. This will be the term you will pay over if you do not pay the full cash price within the payment free period.

Interest will be calculated for the payment free period plus the repayment period. The payment free period will begin at point of order (including for those items which are purchased on pre-order and/or are not ready for immediate dispatch).
Your Interest rate for interest bearing credit terms, will depend on your credit status and confirmed upon successful application and at the point of order.

Avoid interest by paying the cash price in full before the end of the payment free period. Whether you are paying the full cash price, or a part payment, remember to allocate your payment to the specific item you wish to pay off.

Over 18’s only. 12 months=12 calendar months. Credit is provided, subject to status, by Shop Direct Finance Company Limited. Authorised and regulated by the Financial Conduct Authority.