Replacement Guarantee

Peace of mind - everyday gadgets that break or get damaged
can be replaced.

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Accidental damage cover from day one

Mechanical and electrical breakdown once your manufacturer’s warranty end.


What's covered

  • Cover up to 4 years including the manufacturer's warranty.
  • Mechanical and electrical breakdown once your manufacturer's warranty ends.
  • No excess to pay.
  • Accidental damage from day one.
  • If we can't replace* we will provide you with an alternative claim settlement.
  • You can even spread the cost using your
    Littlewoods Account
    .

What's not covered

  • Failure to follow the manufacturer's instructions.
  • Normal wear and tear and cosmetic damage (scratches and dents).
  • Breakdown during the manufacturer's warranty.
  • Theft and loss.
View full T&Cs (PDF) Insurance Product Information Document Further relevant information
  • 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 faults, which is why every major electrical retailer usually offers a 12-month guarantee. The Replacement Guarantee also includes accidental damage as we know how easy it can be to drop something. If you accidentally damage it and it stops working, we could replace it with one of the same or similar specification. For tablets only the replacement may be a refurbished product.

Yes - we will replace it with an item that is the same make and model as the one listed on your Certificate of Insurance. If we cannot do this, you will be given a choice of models with an equivalent specification. Where a replacement is not possible, we will contact you to discuss an alternative claim settlement.

No, there isn't. If your product stops working during the term of your Replacement Guarantee, we could give you a replacement at no additional cost to yourself.

Yes - if your item is replaced then the cover will end. How do I make a claim? The claims process is really straightforward. Simply call 0844 822 4676.

The benefits offered under the Replacement Guarantee 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 can arrange to buy cover from other 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 us.

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.

Need a little help?

Don't worry, get in touch on the number below

Call us on 0844 822 4706

Terms and conditions apply. Replacement Guarantee 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).

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.