Protect

Protect

Repair

Repair

Keeping your important electricals up and running

We know how important your purchase is to you and with Very Protect - Repair, if your product breaks down, we'll repair it. If we can't repair it, we'll replace your product with one which is the same make and model or give you a choice of models with an equivalent specification.

Repair

Accidental damage cover with no excess to pay

Repair

Unlimited repairs for accidental damage, mechanical and electrical breakdown with an easy online claims process

Repair

If we can't repair it, we'll replace it

Switch cover type

Protect - Repair

Protect - Repair Annual

What's covered?

Repair

Accidental damage covered from day one

Repair

Breakdown after the manufacturer's warranty has expired

What's covered?

Repair

Accidental damage and breakdown cover

Key Benefits:

Repair

Protection for mechanical and electrical breakdown

Repair

Unlimited number of repairs

Repair

If it can't be repaired, it will be replaced, or we'll provide you with an alternative settlement

Repair

Easy online claims process

Examples of what's not covered

Repair

Loss or theft

Repair

Wear and tear

Repair

Failure to follow the manufacturers' instructions

Repair

Deliberate damage, neglect, abuse or misuse

Additional information can be found in the Insurance Product Information Document (IPID) and Further Relevant Information.

The full list of benefits and exclusions can be found in the policy Terms and Conditions.

Additional information can be found in the Insurance Product Information Document (IPID) and Further Relevant Information.

The full list of benefits and exclusions can be found in the policy Terms and Conditions.

How to buy

Cover for items you are purchasing or have recently purchased

Repair

When shopping for electricals choose the product you want to buy and select the insurance cover from the options presented.

Repair

To protect an item you've already bought, log into My Account and view Product Protection.

Repair

Something to keep in mind; you can only cover items you've bought from Very within the first 60 days of your purchase. Please note, this does not apply to existing Service Guarantee policy holders who we have recently written to.

How to buy

Continued cover for items you already own

Repair

When your existing Service Guarantee or Very Protect – Repair insurance policy is coming to an end you may be able to continue protecting your item with Very Protect - Repair Annual. We will contact you a few weeks prior to expiry to let you know if this is available.

Repair

If you have an existing Very Protect - Repair Annual policy and have given permission for us to renew your policy, it may be automatically renewed on a rolling one year basis for up to 6 years using the payment method you selected when you purchased your policy. We will contact you a few weeks prior to the expiry with further details including cost, payment method and information about how to opt out of the renewal if you don’t want to continue insuring your product.

Repair

This policy will not automatically renew where permission for it to do so has not been given by you.

FAQ's

Why buy Very Protect - Repair? Is my new product likely to breakdown?

Even the most reliable products and brands can develop faults, which is why many major electrical retailers offer a manufacturer's warranty. By purchasing Very Protect - Repair, you are extending the warranty so your item will continue to be covered for mechanical and electrical breakdown after the manufacturer's warranty period ends.

In addition to mechanical and electrical breakdown, a Very Protect - Repair policy also provides cover for accidental damage. If you accidentally damage your item and it stops working, you have peace of mind that we will repair it for you.

Very Protect - Repair cover does not include some situations including loss or theft and failure to follow manufacturer's instructions.

Will I be covered under my home contents insurance?

Please check your household insurance policy carefully to see what you're covered for. Your household insurance may not cover you for mechanical and electrical breakdown or accidental damage. You may also be covered if you hold any extended warranty programmes so please check these too.

With your home insurance you may also need to pay an excess charge and your premiums may increase as a result of making a claim. With Very Protect - Repair, mechanical / electrical breakdown and accidental damage will be covered as standard with no excess to pay. If you have existing policies such as these that give the same cover elsewhere, you will need to consider whether you may be paying for duplicate cover by purchasing Very Protect - Repair.

Won't my product come with a manufacturer's warranty?

Most manufacturers offer a 12-month warranty against any mechanical or electrical breakdown, but they may not include cover for accidental damage. With Very Protect - Repair you'll be covered for up to 5 years. Accidental damage will be covered from day one and you will be covered for mechanical and electrical breakdown once your manufacturer's warranty ends.

Does Very Protect - Repair protect against Accidental Damage?

Yes. With Very Protect - Repair you will have accidental damage cover from day one.

Isn't Very Protect - Repair expensive?

The cost of Repair cover is small compared to the amount you may have to pay to repair or replace your product.

Will my Very Protect - Repair cover end if I have any repairs?

No. Your Repair cover will continue after you have had a repair and you can make unlimited number of repair claims on this policy. The cover only ends if a replacement product is provided.

Can I only buy Very Protect - Repair for products I've bought from you?

Yes, unfortunately we can't offer Very Protect - Repair for products bought elsewhere.

Is there an excess to pay on Very Protect - Repair in the event of a claim?

No. There is no excess to pay on the policy if you make a claim.

I'm going on holiday abroad - will my electrical item still be covered by the insurance policy?

Yes, Very Protect - Repair gives you worldwide cover for 30 consecutive days during the term of the policy. Please note that a repair can only be arranged when you return to the UK.

How do I make a claim?

The claims process is really straightforward. Register your claim online at www.productprotection.very.co.uk. We'll set up a convenient time to visit and if we can’t repair your product, we'll arrange a replacement. Alternatively, if you would like to discuss your claim with an advisor you can call us, click here for details.

Claims should be registered as soon as possible, following the fault being identified and no longer than 28 days after noticing the damage. If you report a claim after 28 days we may not consider your claim, claims outside this timeframe will be considered on a case by case basis.

Full details of the claims process can be found in the Terms & Conditions.

How do I register for the online claims portal?

You can access the online claims portal at www.productprotection.very.co.uk.

When you purchase a Very Protect - Repair policy you will receive an enrolment email to register to use the portal. If you need to make a claim and haven’t already registered, you can do this prior to making your claim by selecting to "register" on the login page. You will then receive a link to set up your access.

If my product breaks down, do I have rights under the Consumer Rights Act?

The benefits offered under Very Protect - Repair are in addition to your legal rights under the Consumer Rights Act 2015. Under this Act, if the product you purchase is subsequently found to be defective then you will be entitled to a remedy such as a repair, a replacement or a refund. This legal right lasts for up to 6 years (5 years in Scotland). If the product proves defective in the first 30 days after purchase then you may reject the goods and request a full refund. Thereafter, you will be entitled to a repair or replacement but if those remedies are not possible then you can claim a full, or partial, refund depending on the age of the goods. Further information on your rights can be obtained from the Citizens Advice Consumer Helpline, click here for details.

Can product insurance be purchased elsewhere?

You can buy a similar insurance policy from insurers, utility companies, credit card companies, manufacturer's, some other retailers and specialist online providers, but they may not provide the same level of support or service as Very Protect - Repair.

If my product has a mechanical or electrical fault whilst under manufacturer's warranty, who should I contact?

You must contact Very (Shop Direct Home Shopping) as mechanical and electrical breakdown within the manufacturer's warranty period are not covered by this insurance.

I've decided that I don't want Very Protect - Repair cover any longer. Can I cancel the policy and get a refund?

You can cancel your policy at any time. If you cancel your policy within 28 days of taking out the cover you'll receive a full refund of your premiums. If you cancel your policy after 28 days you will receive a pro rata refund based on the number of unexpired months remaining. If you have made a successful repair claim before you cancel your policy, the cost of the claim will be deducted from the refund due to you.

Terms and conditions apply. Very Protect – Repair Insurance is arranged by Shop Direct Finance Company Limited. Registered Number 4660974. Registered office: First Floor, Skyways House, Speke Road, Speke, Liverpool, L70 1AB. Authorised and regulated by the Financial Conduct Authority. Firm Ref: 312190. The Insurer is Helvetia Schweizerische Versicherungsgesellschaft in Liechtenstein AG. Registered Office: Aeulestrasse 60 (2. Stock) 9490 Vaduz, Liechtenstein. The Insurer is authorised and regulated by the Liechtenstein Financial Market Authority and is deemed authorised by the Prudential Regulation Authority and subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Firm Ref: 454140. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website. As Shop Direct Finance Company Limited acts as agent for the Insurer, monies paid to (or held by) Shop Direct Finance Company Limited in relation to the insurance contract are treated as having been paid to (or held by) the Insurer.

Shop Direct Finance Company will receive a commission from the Insurer for arranging and administering your Insurance policy.