Littlewoods Home Insurance

Home Insurance is no longer available to new customers.

The information provided below is for customers who currently hold an active Littlewoods Home Insurance policy, or who have previously held a Littlewoods Home Insurance policy.

If you have any queries in relation to your Littlewoods Home insurance policy, please call 0800 072 6350 (lines are open Monday to Friday 9.00am – 7.00pm, Saturday 9.00am – 2.00pm ).

HOW TO CANCEL OR MAKE A CLAIM

If you would like to make an amendment to your policy, to cancel your policy or to register a new claim please call 0800 072 7161 (lines are open Monday to Friday 9.00am – 8.00pm, Saturday 9.00am – 5.00pm ).

Alternatively, you can write to:
Littlewoods Home Insurance
URIS Group Ltd
Quay Point
Lakeside Boulevard
Doncaster
DN4 5PL

WHATS COVERED

What's covered

  • £75,000 worth of cover for all your home content.
  • £500,000 worth of cover for your building.
  • The option to protect your contents only, buildings only or both.
  • Up to 25% No Claims Discount.
  • Optional Accidental Damage and Personal Possessions cover available.

What's not covered

  • Wear and tear.
  • Loss or damage when your home is unoccupied for more than 60 days.

Full details can be found in your policy document.

HOW TO MAKE A COMPLAINT

If you have a complaint in relation to the advertising of Littlewoods Home Insurance, please contact:

Shop Direct Finance Company
Customer Excellence
Sandringham House
Sandringham Avenue
Chelmsford
CM92 1LH

For more information on our complaints process please see https://www.littlewoods.com/help/en/online-help-system.page#help-contact-us

If your complaint is in relation to the sale and/or policy of Littlewoods Home insurance, please contact:

Littlewoods Home Insurance
Uris Group Ltd
Quay Point
Lakeside Boulevard
Doncaster
DN4 5PL

Littlewoods is a registered trademark and is used under license by Shop Direct Home Shopping Limited and Shop Direct Finance Company Limited. Shop Direct Finance Company Limited introduces Littlewoods Home Insurance and Littlewoods Essential Contents Insurance and URIS Group Limited arranges the sale of Littlewoods Home Insurance and Littlewoods Essential Contents Insurance. Home Insurance policies and Essential Contents Insurance are underwritten by Royal & Sun Alliance Insurance plc and Home Emergency and Family Legal Protection policies are underwritten by UK General Insurance on behalf of Great Lakes Insurance SE.

Delay Payments for 12 months with Buy Now Pay Later when you spend £50 or more

Interest is calculated and compounded daily at a typical rate of 44.9% per annum for the delayed payment period and repayment period and is charged to your account at date of order as a lump sum.

Remember, avoid paying all interest by paying the cash price before the end of the delayed payment period. This can be done in one full payment or multiple partial payments.

1

What is Buy Now Pay Later?
Buy Now Pay Later is an interest bearing option that allows you to delay payments on your purchases for up to 12 months. The delayed payment period starts from the date of order (including pre-ordered items and those not ready for immediate dispatch).

You can choose:
A delayed payment period of 12 months and then a repayment period of 104 weeks when you spend £50 or more.
A delayed payment period of 12 months and then a repayment period of 156 weeks when you spend £99 or more.

How interest is calculated?
Interest will be charged for the delayed payment period and the chosen repayment period.

Interest is calculated and compounded daily at a typical rate of 44.9% per annum for the delayed payment period and repayment period and is charged to your account at date of order as a lump sum. This calculation factors in the planned payments that are requested during the repayment period. Your interest rate is personal to you and will be detailed in checkout.

How to avoid paying interest?
You can avoid paying all interest for both periods by paying the cash price before the end of the delayed payment period. This can be done in one full payment or multiple partial payments.

Making partial payments may result in a portion of the lump sum of compound interest being refunded at the end of the delayed payment period.

Remember if you choose not to pay the full cash price before the end of the delayed payment period any outstanding balance plus the lump sum of compound interest applied at the date of order will become payable.

How do I make a Buy Now Pay Later payment?
To make a full or partial payment simply log into My Account, choose "Make a payment", select "Pay Buy Now Pay Later" and allocate your payment to the specific item(s) you wish to pay off. Alternatively, you can call us.

What happens after the delayed payment period?
If you have not made any payments towards your Buy Now Pay Later, the outstanding balance plus the lump sum of compound interest will be payable across your chosen repayment period. This will now be included in your account minimum payment request each month.

If you have made partial payments, but not cleared the full cash price before the end of the delayed payment period, the outstanding balance plus a reduced lump sum of compound interest will become payable. The repayment amount agreed for the repayment period will remain the same, meaning the repayment period may be shorter than originally agreed.
If you have paid the cash price in full before the end of the delayed payment period, you will not pay any interest.

What is excluded from Buy Now Pay Later?
The costs for delivery, installation services and any warranty and insurance products cannot be placed on Buy Now Pay Later. Buy Now Pay Later availability is subject to your credit and account status.

Do I still have to pay my minimum payment?
Yes, allocating payments to Buy Now Pay Later will not cover the minimum payment for your Littlewoods account. If you have a non-Buy Now Pay Later balance on your Littlewoods account, you will still need to make at least your minimum payment as shown on your statement.