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SuperCover Terms & Conditions

In return for payment of the premium by the Insured (You, Your), IGI Insurance Company Limited (We, Us, Ourselves, Our), will cover and indemnify You in accordance with, and subject to, the Terms and Conditions of this policy, during the Period of Insurance as described in Clause 2 below.

The purchase invoice given to you together with the Certificate of Insurance that We will send You and these Terms and Conditions form the policy documentation and should be kept in a safe place.

The purchase invoice will show the premium payable by you and the amount or rate of Insurance Premium Tax payable by you for Your Supercover.

The Insured Item(s) shall mean the furniture purchased at a Reid Furniture Store (Reid) for which you purchased Supercover, as shown in your purchase invoice.

1. Benefits

The cover and Terms and Conditions applicable to You, are based on the type of furniture purchased by You and the level of cover selected by You, as shown in Your purchase invoice and the actual Certificate of Insurance that will be sent to You at Your home address.

Leather and Fabric Sofas
For Leather and Fabric sofas this insurance will cover You for the following benefits:-

Silver cover – Accidental Staining (see 1.1.1) and Structural Defects (see 1.3).
Gold cover – Accidental Staining (see 1.1.1) and Accidental Damage (see 1.2.1).
Platinum cover – Accidental Staining (see 1.1.1), Accidental Damage (see 1.2.1), and Structural Defects (see 1.3).

All other furniture types
For all other furniture types the cover includes Accident Staining (see 1.1), Accidental Damage (see 1.2) and Structural Defects (see 1.3).

For Accidental Staining and Accidental Damage, the cover provided is dependent on whether the furniture is upholstered (see 1.1.1 and 1.2.1) or non-upholstered furniture (see 1.1.2 and 1.2.2) respectively.

1.1 Accidental Staining

     
  1.1.1 Upholstery and upholstered furniture
    This section of the Insurance will cover You against the cost of removing stains caused by a sudden and unforeseen accidental event (Accidental Staining) to the Insured Item(s) only when caused by:- • food and beverages; • human and pet urine, faeces, blood and vomit; • cosmetics; • grease, tar, soaps and hair shampoo or hair conditioning products; • inks, paints, dyes, wax and wax polish, glue; and • acid, bleach, caustic and corrosive solutions and substances.
     
  1.1.2 Non-upholstered furniture
    This section of the Insurance will cover You against the cost of removing stains caused by a sudden and unforeseen accidental event (Accidental(ly) Staining(stained)) to the Insured Item(s) only when caused by water, liquid marks or rings from normal household food and beverages. Please note that the cover under this section 1.1 is limited to the spot cleaning of the affected area of the Insured Item that has been Accidentally Stained; it is not a cleaning contract and does not cover the general cleaning of the Insured Item(s) soiled through general use - please see 4. Conditions below.

Please note that the cover under this section 1.1 is limited to the spot cleaning of the affected area of the Insured Item that has been Accidentally Stained; it is not a cleaning contract and does not cover the general cleaning of the Insured Item(s) soiled through general use - please see 4. Conditions below.

1.2 Accidental Damage

     
  1.2.1 Upholstery and upholstered furniture
   

This section of the Insurance will cov er You against the cost of repairing damage caused by a sudden and unforeseen accidental event (Accidental Damage) to the Insured Item(s) only when caused by rips, tears, burns, scuffs, scratches and punctures.
     
  1.2.2 Non-upholstered furniture
   

This section of the Insurance will cover You against the cost of repairing damage caused by a sudden and unforeseen accidental event (Accidental Damage) to the Insured Item(s) only when caused by scratches, gouges, heat marks, dents and chips, and accidental breakage,  chipping or scratching of glass and mirrors on tables, wall units and cabinets, including shelving.

Where damage covered by this section 1.2 is caused by pets, cover is limited to domestic pet damage occurring on one occasion and is limited to one claim during the Period of Insurance. Also, cover does not include any damage caused by Unattended Pets (see Exclusion 3.3 which includes the definition of Unattended Pets).

1.3 Structural Defects

This section of the Insurance will cover You against the cost of repairing structural damage caused to the Insured Item(s) arising from faulty workmanship and/or materials which occurs after expiry of the manufacturer’s 12 months guarantee and during the Period of Insurance, caused by:-

  • defects to frames caused by warpage and breakage;
  • bending and breakage of metal components;
  • excessive loss of resilience to webbing, springs, foam or fibre filled interiors as determined by Us;
  • separation of screws;
  • damage to, or failure of, the mechanism or motor;
  • separation of seams or stitching;
  • broken zips, castors and buttons; and
  • lifting or peeling of the hide on leather upholstery or veneer on non-upholstered furniture.

1.4 If we are unable to remove Accidental Staining from, or make a repair to the Insured Item(s), or if We consider it to be uneconomical to do so, We will, at Our discretion, offer You:-

  • a new replacement for the Insured Item(s) of identical or similar specification; or
  • a credit note to be put towards a new replacement for the Insured Item(s) purchased from Reid; or
  • a cash settlement.

In this event, all cover under this Insurance will cease and the Insured Item(s) may at Our sole discretion become Our property.

During the period of this Insurance, the maximum aggregate amount We will pay under the terms of this Insurance shall not exceed the original purchase price of the Insured Item(s) as shown on Your purchase invoice.

2. Period of Insurance

Cover for 1.1 and 1.2 above will be provided for a period of 5 years and will commence on the date of delivery of the Insured Item(s) to your home.

Cover for 1.3 above, if chosen by you, will be provided for a period of 4 years and will commence on expiry of the manufacturer’s 12 month guarantee.

A Certificate of Insurance will be sent to You at Your home address setting out the exact cover You have chosen and the commencement and expiry dates of Your Insurance.

3. Exclusions

This Insurance will not pay for costs arising from:-

     
  3.1 Your failure to comply with the manufacturer’s instructions for the care of the Insured Item(s);
     
  3.1 damage arising from cleaning and/or repairs carried out by anyone not approved by Guardsman (The Claims Handler) or Ourselves;
     
  3.3 any damage, soiling or staining caused:-
   
  • prior to, or during, delivery;
  • to Insured Item(s) used for rental or commercial purposes, or in storage or transit;
  • by lack of reasonable care, mishandling, abuse, neglect, or acts of vandalism;
  • by deliberate damage caused by any persons, including children;
  • by wear and tear or anything which happens gradually or over a sustained period of time;
  • by failure to comply with any instructions relating to cleaning products;
  • by perspiration, hair and natural body oils transferred from the skin;
  • by accumulated multiple stains;
  • by more than one incidence of domestic pet damage (other than by Accidental Staining ) or any incidence of damage caused by Unattended Pets.  Unattended Pets for the purpose of this insurance shall mean a pet left in the home alone whilst no other person is within the confines of the property where the Insured Item(s) is located;
  • by termites, insects, moths or vermin;
  • by fire, fire damage, smoke, ash, flood, leaks from roofs and conservatories, wind, lightning, the act of sunlight, oxidization or any natural disaster; or
  • by any unidentifiable stain or cause not listed in 1.1, 1.2, or 1.3 above.
     
  3.4 loss or damage to unfinished leathers or suedes;
     
  3.5 loss of resilience which is determined by Us to be within reasonable limits;
     
  3.6 natural characteristics of leather, such as brandings, bites, tick marks and opened scars;
     
  3.7 removal of odours caused by a stain;
     
  3.8 colour fading or dye transfer;
     
  3.9 the loss of use of the Insured Item(s) or any loss over and above the cost of the Insured Item(s); or
     
  3.10 any damage that is related to the breakage or failure of the structure or other internal mechanism of the Insured Item(s), except where You have chosen Structural Defects cover as set out in 1.3 above.

4. Conditions

     
  4.1 This Insurance is limited to furniture and beds bought from Reid and used in the United Kingdom or Republic of Ireland for private and domestic purposes.
     
  4.2 We cannot guarantee an exact match of colour or pattern in the event of Your Insured Item(s) being cleaned, repaired or replaced and our liability is limited to the best endeavours of Our authorised cleaning and repair agents.
     
  4.3 This Insurance does not eliminate the need for routine cleaning and maintenance of Your Insured Item(s) which should be periodically cleaned, kept out of direct sunlight and maintained to a reasonable standard.
     
  4.4 This Insurance is not a cleaning contract and does not provide cover for the cleaning of the Insured Item(s) which may become soiled through daily use or general wear and tear.

5. Cancellation

     
  5.1 Should You wish to cancel this Insurance, Your premium is refundable in full provided that (i) You notify the Reid store where You purchased this Insurance within 14 days of receipt of the Certificate of Insurance, and (ii) You have not made a claim against Us under the terms of this Insurance.
     
  5.2 If We provide You with a replacement for the Insured Item(s), a credit note or a cash settlement (in accordance with 1.4 above) this Insurance will terminate.
     
  5.3 This Insurance will be cancelled in the event of fraud or attempted fraud by You against Us.
     
  5.4 We may cancel this Insurance by giving You at least 14 days notice in writing to be sent to Your last address that is known to Us. You will be entitled to a return of a proportionate part of the premium You have paid corresponding to the unexpired period of this Insurance.

6. Claims Procedures

     
  6.1 Any occurrence that could give rise to a claim must be notified to the Claims Handler within 10 days of discovery by you. Any delay in notification may result in permanent damage and may invalidate your claim under this Insurance.
     
  6.2 In the event of damage to the Insured Item(s) that gives rise to a claim, you must:
     
    (a) contact the Claims Handler by telephone on 0845 0789603 (or 00 44 845 0789603 if phoning from the Republic of Ireland) for instructions before attempting to clean the affected area; and
     
    (b) only clean the affected area precisely in the manner directed by the Claims Handler by using the stain removal solution, which the Claims Handler may send You, or other such method notified by the Claims Handler.
     
   

The claim will be considered completed at this point unless You notify the Claims Handler within 5 days thereafter that You wish to continue with the claim.
     
  6.3 When You call the Claims Handler (as set out in 6.2 above) You must have the following information available:-
   
  • Your certificate number from the front of Your Certificate of Insurance, and
  • the telephone number on which it will be easiest for Us to contact You, and
  • a full and detailed description of the nature of the problem being reported.
     
  6.4 The Claims Handler may attempt to resolve the problem by:-
   
  • offering You cleaning advice over the telephone, and/or
  • sending You a claim form to complete, and/or
  • sending You a special cleaning kit with specific instructions as to how to use it.
     
  6.5 If the actions in 6.4 above do not solve the problem, The Claims Handler may arrange for an approved cleaner or repairer to visit Your home to inspect the affected Insured Item(s) and attempt to clean and/or repair it. On completion of the visit, You will be asked to sign a satisfaction note.
     
  6.6 If the approved cleaner or repairer is unable to achieve a satisfactory outcome, the Claims Handler will discuss an alternative remedy with You as set out in 1.4 above.

7. Further Information

     
  7.1 Reid act as agents on behalf of IGI Insurance Company Limited when selling Supercover and when collecting or refunding the Insurance premium and any applicable insurance premium tax.
     
  7.2 Reid offers Supercover on a non-advised basis, which means that they do not take your personal circumstances into account when selling Supercover to you.
     
  7.3 Unless agreed otherwise with you, this Insurance shall be governed by English law and subject to the exclusive jurisdiction of the English Courts.
     
  7.4 The Claims Handler for this Insurance is Guardsman, whose business and registered office is Valspar Industries (UK) Limited, 152 Milton Park, Abingdon, Oxfordshire, OX14 4SD and whose registered number is 2360505.

Valspar Industries (UK) Limited is authorised and regulated by the Financial Services Authority (FSA No. 311766). This information can be checked by visiting the FSA website (www.fsa.gov.uk/register).

8. Enquiries and Complaints

     
  8.1 Any enquiries or complaints that You have regarding this Insurance should, in the first instance, be addressed to the Service Director, Valspar Industries (UK) Limited, 152 Milton Park, Abingdon, Oxfordshire, OX14 4SD.
     
  8.2 If you are still not satisfied, please contact the Managing Director, IGI Insurance Company Limited, Market Square House, St. James’s Street, Nottingham, NG1 6FG.
     
    Please quote Your Certificate of Insurance or claim number so that Your enquiry can be dealt with quickly.
     
  8.3 Should You remain dissatisfied with the outcome of any internal enquiries, You may have the right to refer Your complaint to the Financial Ombudsman Service (FOS), South Quay Plaza, 183 Marsh Wall, London E14 9SR.
     
  8.4 This procedure will not prejudice Your right to take legal proceedings.  However, please note that there will be some instances where the FOS cannot consider complaints.

9. Data Protection

     
  9.1 Information from Your purchase of Supercover through Reid together with any information concerning this Insurance will be shared between IGI Insurance Company Limited and the Claims Handler.
     
  9.2 Such information will be used to provide this Insurance, handle any claims that You may make under the terms of this Insurance and for the purpose of updating Your Insurance.
     
  9.3 To maintain service levels, the Claims Handler operates a call logging system which records and logs all incoming and outgoing calls.

10. Insurance Company Status

     
  10.1 This Insurance is underwritten by IGI Insurance Company Limited which is authorised and regulated by the Financial Services Authority (FSA number 202189). This information can be checked by visiting the FSA website (www.fsa.gov.uk/register). Registered in England under company number 1229676. Registered address: Market Square House, St. James’s Street, Nottingham, NG1 6FG.
     
  10.2 We are covered by the Financial Services Compensation Scheme (FSCS). If we are unable to meet Our financial obligations, you may be entitled to compensation from the scheme, depending on the type of insurance and the circumstances of the claim. For non-compulsory insurance, 90% of your claim is covered without any upper limit. Further information about compensation scheme arrangements is available at www.fscs.org.uk, or by telephone on 0207 892 7300.
     

If you require these terms and conditions in larger print, please ask in store.

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