Protect - Furniture
Protect - Furniture
Comprehensive cover for your much-loved furniture.
We know how important your purchase is to you and with Littlewoods Protect - Furniture, if your item breaks or gets damaged accidentally, we will repair it.
We’ve partnered with AIG, a global insurance expert operating in over 70 countries, to bring you hassle-free product protection in addition to your standard manufacturer’s warranty.
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
No excess to pay
What's covered?
Accidental damage and staining covered from day one
Structural defects after the manufacturer's warranty has expired
Key Benefits:
National network of furniture technicians
If it can't be repaired, it will be replaced, or we'll provide you with an alternative settlement
Easy online claim process
Examples of what's not covered
Deliberate damage
Wear and tear
Gradual accumulation of staining or dye transfer
Damage caused by inappropriate cleaning products
Important Documents
Additional information can be found in the Insurance Product Information Document (IPID).
The full list of benefits and exclusions can be found in the policy Terms and Conditions.
How to buy
When shopping for furniture, choose the product you want to buy and select the insurance cover from the options presented
Something to bear in mind, this insurance is only available to buy at the same time you purchase your furniture. It’s not available to buy after this point.
FAQ's
Why should I buy Littlewoods Protect - Furniture? Is my new 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. Littlewoods Protect - Furniture provides protection for up to 5 years, giving you the peace of mind that you wouldn't need to pay for a 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 my home contents insurance?
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 and may not cover you for accidental damage. You may also be covered if you hold any other insurance products so please check these thoroughly too.
With your home insurance you may also need to pay an excess charge and your premiums may increase as a result of making a claim. With Littlewoods Protect - Furniture structural and accidental damage is included as standard with no excess to pay. If you have existing policies such as these that give the same cover elsewhere, you will need to consider whether you may be paying for duplicate cover by purchasing Littlewoods Protect - Furniture.
Won't my product come with a manufacturer's warranty?
Most manufacturers offer a 12-month warranty against any structural defects, but they may not include cover for accidental damage. With Littlewoods Protect - Furniture you'll be covered for up to 5 years. Accidental damage will be covered from day one and you will be covered for structural defects once your manufacturer's warranty ends.
Does Littlewoods Protect - Furniture protect against Accidental Damage?
Yes. With Littlewoods Protect - Furniture you will have accidental damage cover from day one.
Isn't Littlewoods Protect - Furniture expensive?
The cost of Littlewoods Protect - Furniture is small compared to the amount you may have to pay to repair or replace your item.
Will my Littlewoods Protect - Furniture cover end if I have any repairs?
No. Your Furniture cover will continue after you have had a repair and you can make an unlimited number of repair claims on this policy. The cover only ends if an alternative settlement is provided.
Can I only buy Littlewoods Protect - Furniture for products I've bought from you?
Yes, unfortunately we can't offer Littlewoods Protect - Furniture for products bought elsewhere.
Is there an excess to pay on Littlewoods Protect - Furniture in the event of a claim?
No. There is no excess to pay on the policy if you make a claim.
Where can I find my insurance policies and access my policy documents?
You can view your policy details on the Insure & Protect Page in your account. You will receive a copy of your policy documentation by email when you purchase a policy.
How do I make a claim?
The claims process is really straightforward. Register your claim online at claim.castelangroup.com or call the claims team, click here for details
Claims should be registered as soon as possible, following the fault being identified and no longer than 28 days after noticing the damage. If you report a claim after 28 days we may not consider your claim, claims outside this timeframe will be considered on a case by case basis.
Full details of the claims process can be found in the Terms & Conditions.
How to make a claim is also shown on the Insure & Protect page in your account.
If my product has a structural defect, do I have rights under the Consumer rights Act?
The benefits offered under Littlewoods Protect - Furniture 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, click here for details.
Can product insurance be bought elsewhere?
You may be able to buy similar cover from other insurers, manufacturer's, some other retailers and specialist online providers, but they may not provide the same level of support or service as Littlewoods Protect - Furniture.
If my furniture has a structural defect whilst under manufacturer's warranty, who should I contact?
You must contact Littlewoods (Shop Direct Home Shopping) as structural defects within the manufacturer’s warranty are not covered by this insurance.
I've decided that I don't want Littlewoods Protect - Furniture cover any longer. Can I cancel the policy and get a refund?
You can cancel your policy at any time. You can do this by emailing mypolicy@castelangroup.com or by writing to Finance Administration, Castelan Group, Alpha House, Sunnyside Road North, Weston-super-Mare, North Somerset, BS23 3QY, or you can call us click here for details. You can also find these details in the Insure & Protect page here and in your policy Terms and Conditions. You will need to quote your Certificate Number and let us know your reason for cancelling your policy.
If you cancel your policy within 28 days of taking out the cover you'll receive a full refund of your premiums. If you cancel your policy after 28 days you will receive a pro rata refund based on the number of unexpired months remaining. If you have made a successful repair claim before you cancel your policy, the cost of the claim will be deducted from the refund due to you.
If you are looking for information on a policy purchased before 08/08/20 click here.
Terms and conditions apply. Littlewoods Protect – Furniture Insurance is arranged by Shop Direct Finance Company Limited. Registered Number 4660974. Registered office: First Floor, Skyways House, Speke Road, Speke, Liverpool, L70 1AB. Authorised and regulated by the Financial Conduct Authority. Firm Ref: 312190. Littlewoods Protect – Furniture Insurance is underwritten by American International Group UK Limited (AIG). Registered Number 10737370. Registered office: The AIG Building, 58 Fenchurch Street, London EC3M 4AB. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Ref: 781109. This can be checked by visiting the Financial Services Register (https://register.fca.org.uk). AIG is a member of the Association of British Insurers.
As Shop Direct Finance Company Limited acts as agent for the AIG, monies paid to (or held by) Shop Direct Finance Company Limited in relation to the insurance contract are treated as having been paid to (or held by) AIG.
Shop Direct Finance Company Limited will receive a commission from AIG for arranging your Insurance policy.