Protect

Protect

Repair

Repair

Keeping your important electricals up and running

We know how important your purchase is to you and with Littlewoods Protect - Repair, if your product breaks down, we'll repair it. If we can't repair it, we'll replace your product with one which is the same make and model or give you a choice of models with an equivalent specification.

Repair

Accidental damage cover with no excess to pay

Repair

Unlimited repairs for accidental damage, mechanical and electrical breakdown with an easy online claims process

Repair

If we can't repair it, we'll replace it

Switch cover type

Protect - Repair

Protect - Repair Annual

What's covered?

Repair

Accidental damage covered from day one

Repair

Breakdown after the manufacturer's warranty has expired

What's covered?

Repair

Accidental damage and breakdown cover

Key Benefits:

Repair

Protection for mechanical and electrical breakdown

Repair

Unlimited number of repairs

Repair

If it can't be repaired, it will be replaced, or we'll provide you with an alternative settlement

Repair

Easy online claims process

Examples of what's not covered

Repair

Loss or theft

Repair

Wear and tear

Repair

Failure to follow the manufacturers' instructions

Repair

Deliberate damage, neglect, abuse or misuse

Additional information can be found in the Insurance Product Information Document (IPID) and Further Relevant Information.

The full list of benefits and exclusions can be found in the policy Terms and Conditions.

Additional information can be found in the Insurance Product Information Document (IPID) and Further Relevant Information.

The full list of benefits and exclusions can be found in the policy Terms and Conditions.

How to buy

Cover for items you are purchasing or have recently purchased

Repair

When shopping for electricals choose the product you want to buy and select the insurance cover from the options presented.

Repair

To protect an item you've already bought, log into My Account and view Product Protection.

Repair

Something to keep in mind; you can only cover items you've bought from Littlewoods within the first 60 days of your purchase. Please note, this does not apply to existing Service Guarantee policy holders who we have recently written to.

How to buy

Continued cover for items you already own

Repair

When your existing Service Guarantee or Littlewoods Protect – Repair insurance policy is coming to an end you may be able to continue protecting your item with Littlewoods Protect - Repair Annual. We will contact you a few weeks prior to expiry to let you know if this is available.

Repair

If you have an existing Littlewoods Protect - Repair Annual policy and have given permission for us to renew your policy, it may be automatically renewed on a rolling one year basis for up to 6 years using the payment method you selected when you purchased your policy. We will contact you a few weeks prior to the expiry with further details including cost, payment method and information about how to opt out of the renewal if you don’t want to continue insuring your product.

Repair

This policy will not automatically renew where permission for it to do so has not been given by you.

FAQ's

Why buy Littlewoods Protect - Repair? Is my new product likely to breakdown?

Even the most reliable products and brands can develop faults, which is why many major electrical retailers offer a manufacturer's warranty. By purchasing Littlewoods Protect - Repair, you are extending the warranty so your item will continue to be covered for mechanical and electrical breakdown after the manufacturer's warranty period ends.

In addition to mechanical and electrical breakdown, a Littlewoods Protect - Repair policy also provides cover for accidental damage. If you accidentally damage your item and it stops working, you have peace of mind that we will repair it for you.

Littlewoods Protect - Repair cover does not include some situations including loss or theft and failure to follow manufacturer's instructions.

Will I be covered under my home contents insurance?

Please check your household insurance policy carefully to see what you're covered for. Your household insurance may not cover you for mechanical and electrical breakdown or accidental damage. You may also be covered if you hold any extended warranty programmes so please check these 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 - Repair, mechanical / electrical breakdown and accidental damage will be covered 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 - Repair.

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

Most manufacturers offer a 12-month warranty against any mechanical or electrical breakdown, but they may not include cover for accidental damage. With Littlewoods Protect - Repair you'll be covered for up to 5 years. Accidental damage will be covered from day one and you will be covered for mechanical and electrical breakdown once your manufacturer's warranty ends.

Does Littlewoods Protect - Repair protect against Accidental Damage?

Yes. With Littlewoods Protect - Repair you will have accidental damage cover from day one.

Isn't Littlewoods Protect - Repair expensive?

The cost of Repair cover is small compared to the amount you may have to pay to repair or replace your product.

Will my Littlewoods Protect - Repair cover end if I have any repairs?

No. Your Repair cover will continue after you have had a repair and you can make unlimited number of repair claims on this policy. The cover only ends if a replacement product is provided.

Can I only buy Littlewoods Protect - Repair for products I've bought from you?

Yes, unfortunately we can't offer Littlewoods Protect - Repair for products bought elsewhere.

Is there an excess to pay on Littlewoods Protect - Repair in the event of a claim?

No. There is no excess to pay on the policy if you make a claim.

I'm going on holiday abroad - will my electrical item still be covered by the insurance policy?

Yes, Littlewoods Protect - Repair gives you worldwide cover for 30 consecutive days during the term of the policy. Please note that a repair can only be arranged when you return to the UK.

How do I make a claim?

The claims process is really straightforward. Register your claim online at www.productprotection.littlewoods.com. We'll set up a convenient time to visit and if we can’t repair your product, we'll arrange a replacement. Alternatively, if you would like to discuss your claim with an adviser you can call us, 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 do I register for the online claims portal?

You can access the online claims portal at www.productprotection.littlewoods.com.

When you purchase a Littlewoods Protect - Repair policy you will receive an enrolment email to register to use the portal. If you need to make a claim and haven’t already registered, you can do this prior to making your claim by selecting to "register" on the login page. You will then receive a link to set up your access.

If my product breaks down, do I have rights under the Consumer Rights Act?

The benefits offered under Littlewoods Protect - Repair 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 purchased elsewhere?

You can buy a similar insurance policy from insurers, utility companies, credit card companies, manufacturer's, some other retailers and specialist online providers, but they may not provide the same level of support or service as Littlewoods Protect - Repair.

If my product has a mechanical or electrical fault whilst under manufacturer's warranty, who should I contact?

You must contact Littlewoods (Shop Direct Home Shopping) as mechanical and electrical breakdown within the manufacturer's warranty period are not covered by this insurance.

I've decided that I don't want Littlewoods Protect - Repair cover any longer. Can I cancel the policy and get a refund?

You can cancel your policy at any time. 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.

Terms and conditions apply. Littlewoods Protect – Repair Insurance is arranged by 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. Firm Ref: 312190. The Insurer is Helvetia Schweizerische Versicherungsgesellschaft in Liechtenstein AG. Registered Office: Aeulestrasse 60 (2. Stock) 9490 Vaduz, Liechtenstein. Authorised by the Financial Market Authority and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority. Details about the extent of the Insurer’s regulation by the Financial Conduct Authority and Prudential Regulation Authority are available from the Insurer on request. Firm Ref: 454140. As Shop Direct Finance Company Limited acts as agent for the Insurer, monies paid to (or held by) it in relation to the insurance contract are treated as having been paid to (or held by) the Insurer.

Shop Direct Finance Company will receive a commission from the insurance product provider for the arrangement and administration of your policy.

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.