PremierCare protection
Furniture Protection Insurance
Five-year protection for eligible new furniture against specified accidental staining, accidental damage and structural defects, subject to the policy terms.
Important information
Read the policy documents before you buy
This page is a summary and does not include every term, condition or exclusion. Please read the PremierCare leaflet and policy terms in full to decide whether the cover is suitable for your needs.
This is not a general cleaning or maintenance contract. Cover is not provided for staining or damage that has occurred or accumulated gradually over time.
At a glance
What the policy is designed to cover
Accidental staining
Specified sudden household spills and stains affecting eligible fabric or leather upholstery.
Accidental damage
Specified sudden events such as rips, tears, burns, scratches, punctures, chips and certain breakages.
Structural defects
Specified defects affecting eligible components, materials and mechanisms during the policy period.
Protection pricing
How much does PremierCare cost?
| Furniture cost | Fabric sofa products | Leather sofa products | Beds | Cabinets |
|---|---|---|---|---|
| £0 to £199 | £33.00 | £36.00 | £49.00 | £27.00 |
| £200 to £499 | £47.00 | £54.00 | £81.00 | £45.00 |
| £500 to £999 | £71.00 | £85.00 | £133.00 | £79.00 |
| £1,000 to £1,499 | £101.00 | £121.00 | £214.00 | £115.00 |
| £1,500 to £1,999 | £132.00 | £158.00 | £283.00 | £153.00 |
| £2,000 to £2,999 | £174.00 | £213.00 | £392.00 | £208.00 |
| £3,000 to £3,999 | £236.00 | £286.00 | £548.00 | £289.00 |
| £4,000 to £4,999 | £297.00 | £363.00 | £699.00 | £369.00 |
| £5,000 to £9,999 | £416.00 | £505.00 | £926.00 | £520.00 |
| £10,000 to £20,000 | £739.00 | £928.00 | £1,637.00 | £955.00 |
Please note: Prices shown include Insurance Premium Tax at 12%. Confirm the applicable price and eligibility with the CFS team before purchase.
Examples of insured events
What may be covered
Subject to the full policy terms, examples include:
- Accidental staining from food, drinks, cosmetics, inks, paint, shoe polish, dye transfer and bodily fluids.
- Accidental damage including rips, tears, burns, scratches, punctures, scuffs, dents, chips, heat rings and specified pet damage.
- Specified breakage of glass, stone, marble or frame components.
- Specified structural defects affecting frames, fabric materials, solid-wood finishes, metal components, mechanisms, zips, castors, buttons, seams, leather, vinyl, springs or webbing.
Valid claims may be settled by cleaning or repair. If the product cannot be cleaned or repaired, an alternative settlement may be provided in accordance with the policy terms.
Key exclusions
What is not covered
- Furniture used for commercial purposes.
- Deliberate or intentionally caused damage.
- General wear and tear.
- Staining or damage that builds up gradually over time.
Other exclusions and limitations apply. Please read the full policy documents before purchasing.
Eligibility and limits
Important restrictions
- You must be aged 18 or over when the policy is purchased.
- You must be resident in the UK, Channel Islands or Isle of Man.
- The purchased product or products must have a value of no more than £20,000.
- The furniture must be new, free from damage and used for your own domestic purposes.
- The insurance cannot be transferred to another person.
- A repair or alternative settlement will not exceed the amount originally paid for the product.
Policy documents
Read the full information
Before purchasing
Ask about PremierCare
Contact our team to check availability, eligibility and the applicable protection price for your furniture order.
Need help?
Call our furniture specialists on 0116 296 3800 or use our secure enquiry form.