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YOUR FURNITURE CARE PLAN INCLUDES:
 
   
  1. DEFINITIONS:
  Administrator, The authorised Administrator, Homeserve Warranties Limited, appointed to administer this insurance on behalf of the insurer. Our address is Alpha House, Sunnyside Road North, Weston super Mare, North Somerset, BS23 3QY. Our registered address is Cable Drive, Walsall, WS2 7BN. Registered number: 03156861. Homeserve Warranties Ltd is authorised and regulated by the Financial Services Authority (FSA). Our FSA registration number is 311648.
  Insured, you, your: The person(s) purchasing the item or items insured.
  Insurer: Inter Partner Assistance SA. Registered Office: The Quadrangle, 106 - 118 Station Road, Redhill, Surrey, RH1 1PR, United Kingdom Office. Registered Number FC008998. Inter Partner Assistance SA is authorised by the Commission Bancaire, Financiere et des Assurances (CBFA) in Belgium and regulated by the Financial Services Authority (FSA) in the UK.
  Product(s): The item(s) insured. Where items are non-integral and therefore easily separated, such as a mattress and base or arm caps, scatter cushions and other accessories, they are treated as separate products in the event of a claim.
   
  2. PERIOD OF INSURANCE:
 
  1. Your insurance for Staining and Accidental Damage will start from the date on your certificate of insurance;
  2. Your insurance for Structural Defects will start following the expiry of the manufacturer's guarantee;
  3. Your insurance terminates as soon as any of the following alternatives apply:
    1. The expiry date is reached;
    2. You, or anyone representing you defrauds or deliberately misleads us or the Insurer;
    3. The Maximum Liability is reached (as stated below);
    4. Your claim has been settled by a credit note or cash settlement;
    5. The premium for this insurance is not paid; or
    6. You modify the product.
  It is the insurer’s intention that this insurance cannot be renewed.
   
  3. WHAT IS COVERED
 
  1. STAINING TREATED: Following application of a pre-approved protector and resulting from sudden and accidental contact with any substances except mineral oils, superglue and soot.
  2. STAINING UNTREATED: Without application of a pre-approved protector and resulting from sudden and accidental contact with any substances except mineral oils, superglue, soot and corrosive substances including bleach.
    NOTE: A gradual build up of human perspiration, body acids, oils or greases, household dust and dirt or any other substance does not fall within the requirement for sudden and accidental contact and is NOT covered.
  3. ACCIDENTAL DAMAGE
    1. Fabric upholstery, leather upholstery and beds: a sudden and accidental event resulting in a rip, tear or burn.
    2. Cabinet furniture: a sudden and accidental event resulting in a scratch, water mark, heat ring, or breakage of glass components.
  4. STRUCTURAL DEFECTS: In materials or workmanship first discovered following the expiry of the manufacturer's guarantee and resulting in breakage or separation of frame components, breaking or bending of metal components (other than zips), recliner, rocker, sleeper and swivel boxes, excessive loss of resiliency of webbing, springs and foam or fibre filled interiors.
    NOTE: Structural Defects arising during the manufacturer's guarantee must be reported to the retailer from whom you purchased your product and will be dealt with under the manufacturer's guarantee.
   
  4. WHAT IS NOT COVERED
  Any claim for or resulting from the following will not be valid:
 
  1. Damage caused deliberately by any person or child;
  2. Wear and tear consistent with the initial quality of the product and the manner in which the product is used;
  3. Loss of resiliency that is determined with the reasonable limits of the product quality;
  4. Neglect, abuse, or misuse of the product;
  5. The effects of sunlight, wind, weather, rusting, radiation, building fire, smoke damage, flooding or corrosion upon the product;
  6. Structural Defects in products that have been manufactured in accordance with a defective design or specification;
  7. Changes in colour of any part of the product regardless of the cause;
  8. Stains caused by dye transfer;
  9. Staining or Accidental Damage to products used in a food preparation area;
  10. Use of incorrect or inappropriate cleaning products or cleaning methods;
  11. The removal of any odour even where caused by a stain;
  12. Damage caused whilst the product is in transit;
  13. Damage caused by animals (other than animal fluids), birds or insects;
  14. Costs, expenses or other financial loss in addition to the costs of cleaning, repairing or replacing the product;
  15. Use of the product in business premises or in residential premises which you let or sublet;
  16. Use of the product outside the United Kingdom, Northern Ireland, and the Isle of Man;
  17. Structural Defects first discovered before the expiry of the manufacturer's guarantee; and
  18. Failure of stitching.
   
  5. CLAIMS
 
  1. THE MAXIMUM LIABILITY: the insurer will pay for cleaning, repairs or replacement up to a maximum of £5,000 or up to the original purchase price (less depreciation) of the damaged product whichever is lower in settling any one claim or all claims in total made during the Period of Insurance.
  2. HOW TO MAKE A CLAIM: Telephone the administrator on 0870 320 6614 within 72 hours of a claim arising and state your Certificate number and the nature of your claim.We will then decide if your claim meets the criteria stated above.We may inspect the product to help us assess your claim and may require you to complete a claim form.
  3. HOW WE WILL SETTLE CLAIMS: Valid claims will be settled by cleaning, repairing or replacing the damaged product at our discretion up to a value not exceeding the Maximum Liability. Where we are not able to clean, repair or replace the damaged product satisfactorily:
    1. We will issue a credit note for use at the same retailer from which you originally purchased the product,
    2. If the retailer has ceased to trade or has moved, we will issue a credit note for use at a similar retailer of our choice that is local to you, or
    3. We may choose to provide an offer of cash settlement in lieu of replacement whereby the damaged product will remain your property in its current condition.
  The value of the credit note will be the amount you paid for the product, less depreciation and any previous claims, or if the damaged item is non-integral and therefore easily separated, for the cost of replacing that item only.
  Depreciation will be deducted according to the length of time between the date the product was delivered and the date you report a claim and will be deducted from the original purchase price at the following rates:
 
 Products aged up to:  
12 months 0% 
24 months 20% 
36 months 30% 
48 months 40% 
60 months 50% 
  If your claim is settled by credit note we reserve the right to take sole ownership of the defective product. If we wish to take such ownership, the defective product will be collected at the same time as the replacement product that you select is delivered. Until such time you cannot sell or dispose of the defective product without our prior written consent. If we choose not to collect the defective product as above the ownership of it and the responsibility for it will remain solely with you.
   
  6. FRAUDULENT CLAIMS
You must not act in a fraudulent manner. If you (or anyone acting for you):
  1. Make a claim under the insurance knowing the claim to be false or fraudulently exaggerated in any respect;
  2. Make a statement in support of a claim knowing the statement to be false in any respect;
  3. Submit a document in support of a claim knowing the document to be forged or false in any respect; or
  4. Make a claim in respect of any loss or damage caused by your wilful act,we:
    1. Shall not pay the claim or any other claim made under the insurance;
    2. Shall declare the insurance void and not make any return of premium;
    3. Shall be entitled to recover from you the amount of any claim already paid under the insurance; and
    4. May inform the police of the circumstances.
   
  7. CANCELLATION AND REFUNDS
  You may cancel this insurance and receive a full refund of any premium you have paid by returning to the store where you bought the product together with the sales receipt or invoice and this Certificate of Insurance within 14 days from the receipt of your Certificate. No refund of premium will be made if you have made a claim, if the product has been treated, or if you cancel the policy at a later date.
   
  8. GENERAL TERMS AND CONDITIONS
 
  1. You cannot transfer this Certificate of Insurance to another person;
  2. You and your family must take all reasonable precautions to safeguard the product and to avoid loss or damage to it. This includes, but is not limited to, ensuring that the product is maintained in accordance with the manufacturer's instructions. If you fail to do so any claim you make may be rejected by us;
  3. The parties to this policy are free to choose the law applicable to it. Without agreement to the contrary, English Law will apply. If you live in Scotland, Wales, Northern Ireland or the Isle of Man, you will be entitled to commence legal proceedings in your local courts;
  4. To improve the quality of our service, we will be monitoring and recording some telephone calls;
  5. When your cover under the policy ends it will not have a cash or surrender value.
   
  9. COMPLAINTS PROCEDURE
  If you have a complaint, please phone: 0870 320 6614, or email: customer.care@hsweston.co.uk or write to: Homeserve Warranties Ltd, Customer Care Manager, FREEPOST NAT12806, Weston-super-Mare, BS23 3BR, United Kingdom.
We will do our best to resolve the complaint to your satisfaction but if we are unable to do so, you may escalate your complaint to the General Manager of Inter Partner Assistance SA, The Quadrangle, 106 - 118 Station Road, Redhill, Surrey, RH1 1PR, United Kingdom. In the unlikely event you remain dissatisfied we will give you information about referring your complaint to the Financial Ombudsman Service.
   
  10. INSOLVENCY COMPENSATION SCHEME
  In the event of insolvency the administrator and insurer of this policy are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if, through insolvency, the administrator or insurer cannot meet their obligations. This depends on the type of business and the circumstances of the claim. Most insurance contracts are covered for 100% of the first £2,000 and 90% of the remainder of the claim, although 100% is payable for compulsory insurances. Further information about compensation arrangements is available from the Financial Services Compensation Scheme on 020 7892 7300
   
  11. DATA PROTECTION ACT
  For the purposes of the Data Protection Act 1998 the Data Controller in relation to any personal data you supply is the administrator, Homeserve Warranties Ltd. Homeserve Warranties Ltd is a wholly owned subsidiary of Homeserve plc.
We will pass your information to Inter Partner Assistance SA or any associated company or agent who will hold it on computer or other files for the purpose of administering this insurance. The Homeserve Plc group of companies may use your data to keep you informed by post, telephone or other means, of any products or services which may be of interest to you.
If you do not wish to receive information from the Homeserve Plc group of companies, please write to the Data Protection Officer (administrator's address). With limited exceptions, and on payment of an administration fee, you have the right to access and if necessary rectify information held about you, if you wish to make such an inspection, please write to the address above.
  Homeserve Warranties Ltd is authorised and regulated by the Financial Services Authority (FSA). Our FSA registration number is 311648. You can check the FSA's register by visiting their website (www.fsa.gov.uk) or by contacting them on 0845 6061234.
   
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