Staingard Furniture Insurance - FAQs

You can review the Insurance Product Information Document here

At Loom Loft we take an ethical approach and would not miss-lead a customer as to the intention of, or the terms of, the policy, with the introduction of the Insurance Distribution Directive (IDD), this becomes a little more formalised.

It is important to ensure that the policy being purchased meets what is referred to as your Demands and Needs. Essentially the policy would suit someone who;

• In the event of a stain or accident affecting the appearance of their furniture does not want to pay to resolve the issue themselves.
• Does not want to claim on a home insurance policy, that may offer some cover, as it could result in the paying of an excess or impact on premiums at renewal time.
• Understands it is not a cleaning / maintenance contact, but a policy that provides cover for specific incidents.

Before completing your order through our website you should ensure the above meets your Demands and Needs; and review the Insurance Product Information Document (IPID).

At the Check Order page of our website you will be presented with the following statement;

I have read and accept the Staingard Terms & Conditions and the Insurance Product Information Document

Agreeement with this statement for Demands & Needs is retained and linked to your Order Acknowledgement in case either party needs to refer back to it.

Once your order has been confirmed; within your documentation sent to you in your Order Confirmation, we also provide a summary of the Demands and Needs. This takes the format of a paragraph that states;

“By purchasing the Care Plan, you confirm that you have reviewed the Insurance Product Information Document (IPID) and that it meets your Demands and Needs. You confirm you do not want to pay to restore your furniture in the event of an accidental stain or if it becomes accidentally damaged, that you do not wish to use your home insurance as you may incur an excess and a potential impact on premiums when renewed, and that you understand the Care Plan is not a general cleaning contract but a policy that provides cover for specific incidents.”

If you need to make a claim, please tell Staingard no more than 14 days after discovering the damage by contacting them in one of the following ways;

• Notifying them online at www.myfurniturewarranty.co.uk

• Calling them on 01384 473017 Monday to Friday 9am-5pm

On all correspondence please tell them you are insured by Acasta European Insurance Company Limited and provide the reference number shown in the policy wording along with the unique policy number from your policy.

This will help them to validate your policy details and deal with your claim as quickly as possible.

Dependent upon the level of cover you have selected, you may be covered for the removal of stains, or repairs to damage caused accidentally. In addition, you may also be covered for an extension of the manufacturers warranty.

Upholstered furniture, mattresses & mattress protectors

Staining & Accidental damage resulting in:

• Staining • Rip or tear • Burn • Scratch • Puncture • Scuff • Pet Damage.

Carpet:

• Staining only.

Upholstered furniture, mattresses & mattress protectors

Structural defects resulting from:

• Defects to frames caused by breakage or becoming warped;

• Defects of mechanical, electric recliners and components;

• Bending and breakage of metal components;

• Broken zips, castors, and buttons;

• Separation of seams and stitching;

• Lifting or peeling of the hide on leather furniture;

• Loss of resilience to foam and fibre interiors.

Cabinet & Dining Furniture

Staining & Accidental damage resulting in a:

• Water, liquid or heat marks from items in normal household use;

• Breakage, dents, chips, scratches which have penetrated through the surface finish; or

• Breakage, scratches and chips of glass or mirrors occurring during normal household use.

Cabinet & Dining Furniture

Structural defects resulting from:

• Defects to frames caused by breakage or becoming warped;

• Cracking of solid wood furniture;

• Peeling of the finish on solid wood;

• Bending and breakage to metal components.

• Excessive loss of resilience.

• Damage caused deliberately by any person.

• Cover is not provided for staining or damage, accidental or otherwise, which has occurred or accumulated over a period of time or is from normal everyday use, such as an accumulation of dye transfer.

• Any damage resulting from wear and tear.

• The effects of sunlight, wind, weather, rusting, radiation, building fire, smoke damage, flooding or corrosion upon the product.

• Accidental damage (including staining) caused by the use of incorrect or inappropriate cleaning products or cleaning methods.

• The removal of any odour even where caused by a stain.

• Any transit or delivery damage.

• Damage caused by any animal other than your pet(s).

• Pet damage is limited to 3 incidents during the period of cover. Where there has been extensive incidents of pet damage this policy will not provide cover for any such damage.

• This policy will be rendered void if you make any modications to your furniture.

• This policy will not cover furniture used in business premises or in residential premises which you let or sublet.

• All incidents must be reported within 14 days of the incident occuring.

The policy will cover use of the furniture within the United Kingdom, Channel Islands and the Isle of Man.

You must provide full and accurate information to all questions asked. Your answers must be true to the best of your knowledge and belief. Your answers will form part of the statement of facts on which your policy will be based. If you become aware that information you have given us is inaccurate or has changed, you must inform us as soon as possible. Failure to do this may invalidate your policy and claims may not be paid. You must follow our claims process which can be found in your policy documentation.

Your premium is paid in line with our payment methods.

Your cover will start on the date specified on your certificate; which would typically be the delivery / collection date of your product(s).

The policy will end either on the date specified on the certificate or if the maximum level of indemnity is reached.

Misrepresentation and fraud will result in your policy being terminated immediately.

By telephone, email or post. You can cancel your policy within 14 days from the date of purchase or the day on which you receive your policy documentation, whichever is the later by contacting our Customer Services team on 01254 304070.

Your premium will be refunded in full on the condition that no claims have been made or are pending. 

This policy is a contract between You and the Insurer, Acasta European Insurance Company Limited, 5/5 Crutchett’s Ramp. Gibraltar, GX11 1AA (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.

Details about the extent of Our regulation by the Financial Conduct Authority and Prudential Regulation Authority are available from Acasta European Insurance Company on request.

SALE OF THE POLICY

Please contact Loom Loft who arranged the Insurance on your behalf.

COMPLAINTS PROCEDURE

Staingard will always try to give You a quality service. If you think they have let you down, please write to:

Homeserve Furniture Repairs Limited, Unit 2, Delph Road, Brierley Hill, West Midlands, DY5 2UA

Or You can either email the Administrator at info@hfrclaims.co.uk or phone the Administrator on 01384 473 017

Details of the HFR Administrations Complaints Handling process will be sent to You on request. If You are still not satisfied,  You can contact the Insurance Division of the Financial Ombudsman Service at:

The Financial Ombudsman Service, Exchange Tower, London E14 9SR

You can also contact the Financial Ombudsman Service on 0800 023 4567

Website: www.financial-ombudsman.org.uk - Using this service does not affect Your right to take legal action.

If it is not possible to reach an agreement, you have the right to make an appeal to the Financial Ombudsman Service. This also applies if you are insured in a business capacity and have an annual turnover of up to €2million and fewer than ten employees. You may contact the Financial Ombudsman Service at: The Financial Ombudsman Service Exchange Tower, London E14 9SR, tel: 0800 023 4 567 or 0300 123 9 123, email: complaint.info@financial-ombudsman.org.uk

The above complaints procedure is in addition to your statutory rights as a consumer.

Acasta European Insurance Company Limited is covered by the Financial Services Compensation Scheme (FSCS).

You may be entitled to compensation from the scheme, if it cannot meet its obligations.

This depends on the type of business and the circumstances of the claim. Most insurance contracts are covered for 90% of the claim with no upper limit.

You can get more information about compensation scheme arrangements from the FSCS or visit www.fscs.org.uk

You can review the complete Terms & Conditions of the policy by viewing the sample Certificate here