Enjoy peace of mind with a 5-year Premium Product Protection Insurance Plan included* with your order to help extend the useful life of your furniture and reduce disruption to your home. If your furniture is accidentally damaged, stained or faulty – this insurance will take care of repairing or replacing your furniture, at no extra cost to you.

Should the unexpected happen and you need to make a claim, you’ll have:

  • Expert support from our claims handlers
  • A technician over to your home to assess and repair your item, if they can
  • If not, you’ll receive a like-for-like replacement, or be reimbursed to the financial value of the item
  • No excess/charges for you to pay

    • *Restrictions apply - See ‘Are There Any Restrictions?’ below.

What's covered

This insurance protects your item of furniture from accidental stains, accidental damage, and structural defects, such as, but not limited to, the following:

Accidental Damage

Covers occurrences such as rips, tears and burns

  • Rips, tears, burns
  • Scuffs, scratches, and punctures
  • Breakage, dents, chips, and scratches that penetrate the surface finish
  • Glass or mirror breakage, scratches, and chips during normal use
  • Damage caused by pets, limited to three claims during the cover period

Accidental Stains

Shields against unexpected spills and stains arising from a range of household substances

  • Food and drinks
  • Ink, paint, and dye
  • Human and pet bodily fluids
  • Cosmetics, soap, and shampoo
  • Wax and polish
  • Glue and superglue
  • Dye transfer from clothing and newspapers 
  • Acids, bleaches, and corrosive substances 
  • Water, liquid, or heat marks

Structural Defects

Safeguards against flaws and imperfections that arise after the manufacturer’s warranty expires

  • Frame defects like breakage or warping 
  • Peeling finishes on wood, veneer, or laminate Mechanical and electrical recliner defects 
  • Metal component bending and breakage 
  • Broken zips, castors, and buttons
  • Seam and stitching separation
  • Leather hide lifting or peeling on bed frames and dining chairs

What’s not covered

  • Normal wear and tear
  • Damage in transit and pre-delivery of the item
  • Commercial use
  • Manufacturing faults
  • Third-party contractor-related damage
  • System failures, e.g. plumbing and electrical
  • Deliberate damage or damage caused by unattended stains or improper cleaning
For more information on what is and is not covered, please refer to the Insurance Product Information Document (IPID) and Policy Wording.

Are there any restrictions?

  • You must be a UK resident and at least 18 years old
  • Your item must be kept securely in your permanent residence within the UK
  • This Insurance is only included for products where explicitly stated as such on the item description.
Anything else?

Cover will only start once you have received your item. Once we have received your order, Bolt Cover will email you a copy of your Insurance Product Information Document (IPID) and Policy Wording.

Following delivery, Bolt Cover will email your Policy Schedule, which along with your Policy Wording, forms your contract of insurance.

Good practice

If an accident occurs, contact 03330 151 216 for guidance before attempting any cleaning or repairs. Follow their recommended cleaning methods or use the approved cleaning kit to address the issue.

Make a claim

You can make a claim online at www.boltcover.com/customers or by calling 03330 151 216.

Contact Bolt Cover

If you have any questions about our products and services, would like to opt-out of this insurance, would like to make a complaint, or indeed for anything else, you can reach us at info@boltcover.com or by calling 02045 927 543.

About Bolt Cover Furniture Insurance

This insurance is for people wanting to protect an item of furniture from accidental stains and damage, or from defects. It's important that you satisfy yourself that this product is right for you, taking into account any home insurance you may already have.

This insurance is provided by Acasta European Insurance Company Limited (registered no. 96218), which is authorised and regulated by the Gibraltar Financial Services Commission and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority for the conduct of UK business under Firm Reference Number 456936.

Bolt Cover, a trading name of Bolt Warranty Limited, is the Policy Administrator and an Appointed Representative (FCA no. 998330) of Innovative Risk Labs Ltd, which is Authorised and Regulated by the Financial Conduct Authority (FCA no. 609155).

These details can be checked on the Financial Services Register by visiting www.fca.org.uk