This product is not currently available to new customers, this information page is for existing policy holders. How to make a claim It’s important that you register your claim as soon as possible with the Shopping Insurance Claim Team. Please have your Littlewoods account number to hand when you register your claim with our Shopping Insurance Claim Team.
For Life claims For life claims call 0800 111 4121. Lines open 9am - 5pm Monday to Friday.

Or write to:
Bereavement Support Team
Phillips & Cohen Associates (UK) Limited
Building 5, Floor 9
Exchange Quay
Manchester
M5 3EF For all other claims For all Accident or Sickness, Unemployment, Carer, Hospitalisation or Merchandise Claims please
Call us on 0800 092 1920. Lines open 9am - 5pm Monday to Friday.

Or write to:
Shopping Insurance Claim Team
PO Box 1190
Doncaster
DN1 9PS How to make a complaint If you have a complaint about the sale of your Shopping Insurance please write to:

Customer Excellence
Sandringham House
Sandringham Avenue
Chelmsford
CM92 1LQ

If you have a complaint about a claim you have made, please call the Shopping Insurance Claim Team on 0800 092 1920. Lines open 9am - 5pm Monday to Friday.

Or write to:
Shopping Insurance Claims Team
PO Box 1190
Doncaster
DN1 9PS

If you are unhappy with the outcome of your complaint you may refer the matter to the Financial Ombudsman Service (‘FOS’), South Quay Plaza, 183 Marsh Wall, London, E14 9SR. Telephone: 0800 023 4567 (charges may be incurred for calls made from mobile phones and from certain service providers) or 0300 123 9123 (calls to this number are charged at the same rate as 01 or 02 numbers on mobile phone tariffs).

Or simply log on to their website at www.financial-ombudsman.org.uk stating clearly the nature of the complaint and the party to which that complaint was originally addressed. Download Policy Document Please click here to download the Shopping Insurance Policy Document.
Shopping Insurance offered by Shop Direct Finance Company Limited. Authorised and regulated by the Financial Conduct Authority. Underwritten by Aviva Insurance Limited Registered in Scotland No. 2116 Registered Office: Pitheavlis, Perth PH2 0NH and Aviva Life & Pensions UK Limited Registered in England No: 3253947 Registered Office: 2 Rougier Street, York YO90 1UU. Both are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
This product is not currently available to new customers, this information page is for existing policy holders. How to make a claim It is important that you register your claim as soon as possible with the Life Event Plan Claim Team. Please have your Littlewoods account number to hand when you register your claim with our Life Event Plan Claim team.

If you need to register a claim please call 0800 092 1920. Lines open 9am - 5pm Monday to Friday.

Or write to:
Life Event Plan Claim Team
PO Box 1190
Doncaster
DN1 9PS How to make a complaint If you have a complaint about the sale of Life Event Plan please call 0344 811 1200. Lines open 9am -5pm Monday to Friday. Calls made from BT landlines will cost no more than 5p per minute. Charges will vary for calls made via other service providers.

Or write to:
Customer Excellence Team
Sandringham House
Sandringham Avenue
Chelmsford
CM92 1LQ

If you have a complaint about a claim you have made please call 0800 092 1920. Lines open 9am-5pm Monday to Friday.

Or write to:
Life Event Plan Claim Team
PO Box 1190
Doncaster
DN1 9PS

If you are unhappy with the outcome of your complaint you may refer the matter to the Financial Ombudsman Service (‘FOS’), South Quay Plaza, 183 Marsh Wall, London, E14 9SR. Telephone: 0800 023 4567 (charges may be incurred for calls made from mobile phones and from certain service providers) or 0300 123 9123 (calls to this number are charged at the same rate as 01 or 02 numbers on mobile phone tariffs).

Or simply log on to their website at www.financial-ombudsman.org.uk stating clearly the nature of the complaint and the party to which that complaint was originally addressed. Download Policy Document Please click here to download the Life Event Plan Policy Document.
Life Event Plan offered by Shop Direct Finance Company Limited. Authorised and regulated by the Financial Conduct Authority. Underwritten by Aviva Insurance Limited. Registered in Scotland No. 2116 Registered Office: Pitheavlis, Perth PH2 0NH. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

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.