Guardsman protection for new sofa?

stormCat99

Hello eveyone, I'm after advice regarding a new sofa I have just ordered. I had the usual hard sell for insurance, and in the end agreed to sign up for now, but can still cancel if I change my mind.

We've bought a 4 seater corner sofa, and Guardsman protection (where the sofa is sprayed to reduce the chances of any stains) plus 5 years' insurance costs £140. I am always wary of this type of thing, and for white goods etc would say no thanks. It did seem as though it may be worthwhile though, as it covers for 5 years, and includes cover for one pet-related incident (we have 2 cats!) if needed.

It's a pale cream colour so would stain easily. The sofa itself only cost £800, and I'm currently still undecided as to whether the likelihood of us using the insurance in the 5 years makes it worthwhile paying for.

Any advice would be much appreciated. Thanks.

tru

We never buy the extra insurance because we're covered on our contents insurance already.

Hubby works in carpets, he says Guardsman is a waste of money because the stain 'sits' on the protection, when you wipe it off, you wipe off the protection as well

Debt_Free_Chick

Hello eveyone, I'm after advice regarding a new sofa I have just ordered. I had the usual hard sell for insurance, and in the end agreed to sign up for now, but can still cancel if I change my mind.


I'm currently still undecided as to whether the likelihood of us using the insurance in the 5 years makes it worthwhile paying for.

Any advice would be much appreciated. Thanks.

I think the best you can do is to read the policy very carefully. Make sure you fully understand when it will pay out and when it will not. Only then can you evaluation whether the incidents are likely to occur, or not.

Are they loose covers? Would a second set have cost much more? And if loose, can they be washed/cleaned. These things might make the insurance seem more attractive.

Or call your home contents insurer and see how much extra they would charge you for accidental damage.

And finally .... a premium of £140 seems quite good if the whole suite were wiped out, providing the policy covers the incident. But are you likely to claim for £20? or £50? or £100? What I'm trying to say is there's a threshold which you will have, beyond which insurance is needed. Up to that level, you are likley to be "happy" to pay out for the odd accident.

HTH