Harvey’s Furniture Claim

Mukui

Good evening,
We bought a corner sofa at Harvey’s furniture in October 2019.We got a certificate of insurance covering stains and accidental damage *optional recliner coverage included* in **(little stars)
The motor on one side of the recliner has become faulty.
We paid the sofa through a debit card for £2008.16
Who do we get in touch with regarding the faulty motor as l went to the website for the insurance company and it stated it doesn’t cover mechanical faults and when we were purchasing the sofa we were made to believe that the insurance covered mechanical faults.
The sofa is barely 1.5 years.
Thanks

Aylesbury_Duck

The insurance policy terms are those that apply, unless you have anything else that says something different in the paperwork from the original sale?

You could exercise your consumer rights against Harvey's instead.

gettingtheresometime

Aylesbury_Duck said:

The insurance policy terms are those that apply, unless you have anything else that says something different in the paperwork from the original sale?

You could exercise your consumer rights against Harvey's instead.

Didn't Harvey's go into administration last year?

Aylesbury_Duck

They did, so presumably OP's claim is against the administrators.

JetpackVelociraptor

Have you contacted the insurance company? Their website may not display all the different details for all of the different policies they offer, but what is important here is your copy of your insurance policy, which presumably states that you have coverage for the recliners. Follow the instructions you have on your policy in order to start a claim, if in doubt phone the company. Also, if it's an electric recliner and the motor isn't working that would be an electrical fault - not a mechanical fault.

George_Michael

JetpackVelociraptor said:

Also, if it's an electric recliner and the motor isn't working that would be an electrical fault - not a mechanical fault.

The word "mechanical" is often taken to mean something that is operated by a machine so depending on the wording of the insurance policy, a non working motor could easily be a mechanical issue.