Furniture Insurance

Peace of mind with cover for
your brand new furniture.


Accidental damage cover including rips, burns, stains and scratches

Protect against structural defects including damaged frames, springs and cushions after the manufacturer’s warranty ends

What's covered

  • 3 years cover, which includes your
    manufacturer's warranty.
  • Accidental damage on all furniture including rips, burns and stains from day one.
  • Structural defects 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.*Of identical or equivalent specification.
  • If we can't replace your furniture we will provide an alternative settlement.
  • Multiple repairs.

What's not covered

  • You're not covered if you have failed to follow the manufacturer's instructions.
  • Structural defects 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.
  • Damage by any animal other than a domestic pet.
View full T&Cs (PDF) Insurance Product Information Document
  • Choose the item you want to buy and select your level of cover from the drop down menu.
  • To protect an item you've already bought, log into My Account and select your cover.
  • Something to keep in mind: You can only cover items you've bought from Littlewoods within the first 60 days of your purchase.

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.

No, Furniture Insurance will continue after you have had a repair. The cover only ends if a replacement product is provided.

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.

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!

You must report all claims to TWG within 28 days.

The benefits offered under Furniture Insurance are in addition to your legal rights under the Consumer Rights Act 2015. Under this Act, if the product you purchase is subsequently found to be defective then you will be entitled to a remedy such as a repair, a replacement or a refund. This legal right lasts for up to 6 years (5 years in Scotland). If the product proves defective in the first 30 days after purchase then you may reject the goods and request a full refund. Thereafter, you will be entitled to a repair or replacement but if those remedies are not possible then you can claim a full, or partial, refund depending on the age of the goods. Further information on your rights can be obtained from the Citizens Advice Consumer Helpline 03454 040506.

You must contact Shop Direct Home Shopping as structural defects within the manufacturer’s warranty are not covered by this insurance.

If the three-piece suite is no longer available or cannot be sourced, we would replace the whole suite (as long as you have insured the whole suite).

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: Twenty Kingston Road, Kingston Road, Staines-Upon-Thames, Surrey, England, TW18 4LG. 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.


You can choose Buy Now Pay Later in checkout when you spend £50 or more.

Avoid any interest by paying in full within 12 months.

Buy Now Pay Later typical interest rate is 44.9% per annum. Subject to status.

Buy Now Pay Later (BNPL) allows you to delay payment for 12 months. The payment free period starts when you place your order (including items which are purchased on pre-order and/or are not ready for immediate dispatch).

Select BNPL at checkout and the repayment period of either 104 or 156 weeks. This is the repayment period you will pay over, once the payment free period (12 months) has ended.

The interest rate typically used to calculate BNPL interest is 44.9% per annum. Your interest rate will be detailed in checkout. The interest is calculated on the payment free period and the repayment period. You can avoid interest by paying the cash price in full within the payment free period.

Delivery charges and other Financial Services products are not available on Buy Now Pay Later and will appear on your next statement.

Please note, if you have non BNPL purchases on your account you will still need to make at least your minimum payment as detailed on your statement.

Credit provided, subject to credit and account status, by Shop Direct Finance Company Ltd, Aintree Innovation Centre, Park Lane, Netherton, Bootle, L30 1SL. Registered number: 4660974. Authorised and regulated by the Financial Conduct Authority. Over 18s only.