Furniture insurance

Roosh

Just bought a 2 piece reclining leather suite in one of the sales for £499. They offered their own insurance cover against malfunction/stiching etc for 5 years at a cost of £120 or a more expensive cover at £160 . Has anybody got any experience of leather furniture and can say if it is worth it or not. If it is, is there any independent companies that would do the same sort of thing for less. I have 10 weeks to decide!!

Cheers

mattymoo

Huge profit earner for the shop who will take around 40% plus in commision for this.
You are looking at nearly 1/3rd price of new sofa (the higher priced plan). I would weigh that up against the following:-
Your weight (in respect of mechanical damage)
Presence of kids / pets for damage to stitching / covers etc. You may find pet damage is excluded anyway.
Your cleaning regime. If you are happy with caring for leather products (like car seats) and do not abuse your furniture then I would self insure.

madmoneysaver

Hi,

Can't really comment on leather suite because we own a fabric suite but I would definitely agree with Matty on weighing up against the potential damage/risks.
We bought a fabric cream suite at the end of 2005 and got the cover that came with it. I think it cost us around £100-120 can't remember exactly, it's for 5 years, all stains and damages (cuts, rips, burns etc).
The thing is, our little toddler has spilled milk, got sick on it , spilled juice, got it stained with chocolate and other varied foods so many times that we've had to get it cleaned at least 9 times over the past 2 years. I'm yet about to make another claim because of chocolate cake on the armchair.. lol so all in all it was money well spent for us because weighing up against how much it costs to get it cleaned (was quoted £100 by the chap who comes to do it) then we have saved a lot of money.
Obviously leather is much easier to clean, cause all you presumabely need to do is wipe it. However if you've got pets or kids then it's worth considering if you feel they are likey to rip it in the near future.

Hope this helps, good luck anyway!!
Cheers

lisyloo

They offered their own insurance cover against malfunction/stiching etc for 5 years

If it is a defect the you would be covered under your statutory rights.
Not sure about whether 5 years is a reasonable timescale.

Personally I think this is a rip-off and you should self-insure.