Longer-lasting cover for your products

Immediate cover for accidental damage

Immediate cover for accidental damage

Accidents can happen - but with cover, you'll be protected against the surprise cost of repairs.

A replacement appliance if yours can't be fixed

A replacement appliance if yours can't be fixed

Only pay for installation, if needed. Choose a model similar to your old one or pick an improved model for a fee.

There's no limit to the repairs we'll provide

There's no limit to the repairs we'll provide

The cost of parts, labour and call-out fees are all included in the policy, with no excess to pay.

Protection for now and the years to come

Protection for now and the years to come

You'll be covered for accidental damage during the manufacturer's guarantee, plus breakdowns once the guarantee ends.

What's not covered

The main exclusions of this insurance are:

  • Cost arising from not being able to use your product (other than food spoilage if covered) or damage to other property;
  • Loss, cosmetic damage, neglect or deliberate damage;
  • Costs for replacing and accessories, installation and disposal.

The full terms, conditions, limitations and exclusions can be found in the policy documents section of this page.

Policy details you need to know

This is an optional policy. It is designed to meet the demands and needs of those who wish to insure their electronic appliances and/or household goods against breakdown and accidental damage.

You should be aware that extended warranties are available from other high street outlets, insurance companies and other providers. Some household contents insurance policies offer cover for accidental damage, fire or theft.

The policy is provided by Domestic & General Insurance PLC. They are an insurance undertaking, not an intermediary. They are the underwriter of the insurance and do not provide a personal recommendation or advice.

Cancellation Rights

If you change your mind during the forty five day period from receipt of your documentation or from the policy start date, whichever is later ('the cooling off period'), you can cancel your policy and we'll refund any premium paid.

If you cancel your policy after the cooling off period, then your policy will remain in place until the end of the period for which you have already paid and you will not receive any refund.

If at any time we arrange to replace your product (or give you a voucher settlement), your policy will automatically end.

If we have reasonable grounds to believe that you have (or anyone acting for you has) claimed under this policy knowing the claim to be dishonest, exaggerated or fraudulent then we may cancel the policy immediately without any refund of premium or excess.

If you fail to comply with certain conditions and obligations we may bring your policy to an end and we will not provide any further services to you under the policy. We reserve the right to cancel your policy by giving you fourteen (14) days' notice. In each case, you will receive a refund of any premium paid for unused days of your policy and we will confirm any such ending or cancellation in writing to the last address you gave us.

Pricing and payment

The price of Product Protection varies depending on the product. You'll see a quote for cover on each product page, and on the checkout pages.

Payment date
All prices include all applicable taxes (including IPT).

For pay monthly policies, if the payment date you chose is within 14 days of you purchasing the policy, we will not take the first Direct Debit on your chosen date. All subsequent collections will be debited on the date you chose.

How to complain

If you wish to complain or you are unhappy with the service provided, please contact our customer services team on 0333 000 9799, write to us at Domestic & General Insurance PLC, Leicester House, 17 Leicester Street, Bedworth, Warwickshire CV12 8JP or sign in to My Account on our website: www.domesticandgeneral.com

Our complaints handling policy can be found on our website.

If you are not satisfied with how we respond you can then ask the Financial Ombudsman Service (FOS) to review your case. Referral of your complaint to the FOS does not affect your right to take legal proceedings. They can be contacted at: The Financial Ombudsman Service, Exchange Tower, London, E14 9SR, on the website financial-ombudsman.org.uk, or by email at: complaint.info@financial-ombudsman.org.uk

Governing law and statutory rights

We will communicate with you in English and English Law will apply unless we agree otherwise with you. Nothing in the conditions will reduce or affect your statutory rights. These rights include the right to claim for a refund, repair, or replacement for up to six years (in Scotland it's up to five) if your electrical goods were not of satisfactory quality or fit for their purpose when they were sold to you. For further information about your statutory rights contact the Citizens Advice Bureau: www.citizensadvice.org.uk or 03444 111 444.

The Financial Services Compensation Scheme

We are covered by the Financial Services Compensation Scheme. If we cannot meet our obligations to you under the policy, compensation may be available to cover these obligations. See www.fscs.org.uk

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