Furniture Insurance

Furniture Insurance is currently unavailable to purchase.

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

If you have any queries in relation to your Furniture Insurance policy, please call Insurance Customer Services on 0800 092 9051 (Lines are open Monday to Friday 9.00am - 5.00pm).

To make changes or cancel your policy

If you would like to make an amendment to your policy or to cancel call Insurance Customer Services on 0800 092 9051 (Lines are open Monday to Friday 9.00am - 5.00pm).

Alternatively, you can write to:

  • Insurance Customer Services
  • Sandringham House
  • Sandringham Avenue
  • Chelmsford
  • CM92 1LH

For new or existing claims

For updates on an existing claim or to register a new claim, please call The Warranty Group Services on 0330 100 3764 (Lines are open Monday to Friday 9.00am - 5.00pm).

Alternatively, you can email Furniture@thewarrantygroup.com or write to:

  • Claims Manager
  • TWG Services Limited
  • The Aspen Building
  • Floor 2
  • Vantage Point Business Village
  • Mitcheldean
  • Gloucestershire
  • GL17 0AF

What's insured

What’s covered

  • Structural defects
  • Accidental damage
  • Repair & replacement

What’s not covered

  • Structural defects during the manufacturers warranty period
  • Failure to follow manufacturers instructions
  • Accidental damage as a result of not taking care of your insured item
  • Damage or structural defects caused by age or normal use
  • Damage caused by animals other than a domestic pet
  • Unauthorised repairs

Full details can be found in your policy document.

How to make a complaint

For complaints relating to advertisement, processing and administrating (including processing your premium payments and dealing with any cancellations) of your policy, please telephone 0800 092 9051 or write to;

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

Please remember to quote your policy number shown on Certificate of Insurance when submitting an enquiry or complaint.

If your complaint is in relation to the terms of your policy or claims handling, please telephone The Warranty Group Services on 0330 100 3245, email customer.relations@thewarrantygroup.com or write to;

  • TWG Services Limited
  • The Aspen Building
  • Floor 2
  • Vantage Point Business Village
  • Mitcheldean
  • Gloucestershire
  • GL17 0AF

Please remember to quote your policy number shown on Certificate of Insurance when submitting an enquiry or complaint.

London General Insurance Company Limited, Registered Number: 1865673. Registered Office: 20 Kingston Road, Staines-upon-Thames, Surrey, TW18 4LG. Authorised by the Prudential Regulatory Authority and regulated by the Financial Conduct Authority and the Prudential Regulatory Authority (FRN 202689).

Shop Direct Finance Company Limited, Registered Number: 4660974. Registered Office: Aintree Innovation Centre, Park Lane, Netherton, Bootle, L30 1SL. Authorised and regulated by the Financial Conduct Authority (FRN 312190). Shop Direct Home Shopping Limited, Registered Number: 4663281. Registered Office: First Floor, Skyways House, Speke Road, Speke, Liverpool, L70 1AB.

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.