Premium Protection for your Outdoor Furniture
Provided by Loxa
Available on select products, see item description for details
Enjoy peace of mind with a 5-year Outdoor Furniture Insurance Plan to help protect your garden or patio furniture against accidental damage, accidental stains, or mechanical faults.
If your outdoor furniture is accidentally damaged, stained or develops a fault – this insurance will take care of repairing or replacing your item.
Should the unexpected happen and you need to make a claim, you’ll have:
expert support from our claims handlers
a technician visit your home to assess and repair your item, if they can
if not, you’ll receive a like-for-like replacement, or store credit to the value of the item
no excess or charges for you to pay
Restrictions apply – see ‘Are There Any Restrictions?’ below.
How Do I Get
Product Protection?
Loxa Product Protection may be included with your purchase at no additional cost, or you may have the option to add it to your cart when purchasing an eligible item.
If product protection is included, this will be explicitly stated on the product page.
If product protection is not included but available for purchase, you will have the option to add it to your order from the product page.
If neither applies and there is no option to add product protection, the item is not insurable under this scheme.
If you need assistance or believe you should have access to product protection but cannot see it as an option, please get in touch using the contact details below.
T: 02045 927 543
What’s Covered
This insurance protects your item of furniture from accidental stains, accidental damage, and structural defects, such as, but not limited to, the following:
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![Black outline shield-shaped icon with a sofa showing bite mark and dog symbol inside.]()
Accidental Damage
Covers sudden and unexpected physical damage that occurs unintentionally and prevents your outdoor furniture from working as intended, such as:
· Rips, tears, burns
· Scuffs, scratches, and punctures
· Breakage, dents, chips, or scratches that penetrate the surface finish
· Damage to moving or structural parts, such as reclining or folding mechanisms
· Damage caused by pets (limited to one incident during the policy period)
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![Black outline shield-shaped icon with a stain symbol inside.]()
Accidental Stains
Protects against sudden and identifiable stains caused by external sources during normal outdoor use, such as:
· Food and drinks
· Bird droppings or other external contaminants
· Human or pet bodily fluids
· Tree sap or natural residues
· Paint, ink, or dye
· Wax and polish
· Glue and adhesives
· Water-based spills that cause visible staining
· Water, liquid, or heat marks
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![Black outline shield-shaped icon with an armchair with a crack symbol inside.]()
Structural Defects
Protects against the mechanical breakdown of moving or structural parts that prevents your outdoor furniture from working as intended, such as:
· Frame or joint breakage
· Warping or distortion of structural components not caused by weather exposure
· Failure of reclining or folding mechanisms
· Broken zips, hinges, or fixings integral to the furniture’s function
· Seam or stitching separation on cushions or upholstery
What’s Not Covered?
Normal wear and tear, fading, or gradual weathering.
Damage caused by poor storage, exposure to extreme weather, damp, or mould.
Damage from wildlife, insects, or pests.
Damage occurring before or during delivery (transit damage).
Manufacturing faults or defects.
Commercial or rental use.
Damage caused by third-party contractors or during assembly.
Deliberate damage, neglect, or misuse.
Stains or damage resulting from incorrect or unapproved cleaning methods.
For more information on what is and what is not covered, please refer to the Insurance Product Information Document (IPID) and the Policy Wording.
Are There Any Restrictions?
You must be a UK resident and at least 18 years old.
Your outdoor furniture must be kept at the permanent address shown on your Policy Schedule.
You must contact the Claims Administrator within 14 days of any incident.
This insurance is available only as an optional add-on at the point of purchase.
Anything Else?
Cover will start from the date shown on your Policy Schedule, once your outdoor furniture has been delivered.
After you place your order, Loxa will email you a copy of your Insurance Product Information Document (IPID) and Policy Wording.
Following delivery, Loxa will send your Policy Schedule, which together with your Policy Wording forms your contract of insurance.
Good Practice
If an accident occurs, contact 03330 151 216 for guidance before attempting any cleaning or repairs.
Follow their recommended cleaning methods or use the approved cleaning kit to address the issue.
Make A Claim
Online
Call
Contact Us
If you have any questions about our products and services, would like to opt-out of this insurance, would like to make a complaint, or indeed for anything else, you can reach us at:
T: 02045 927 543
About Loxa
Furniture Insurance
This insurance is for people who wish to protect an item of outdoor furniture against accidental damage, accidental staining, or mechanical failure. It’s important that you satisfy yourself that this product is right for you, taking into account any home insurance you may already have.
This insurance is provided by Acasta European Insurance Company Limited (registered no. 96218), which is authorised and regulated by the Gibraltar Financial Services Commission and subject to limited regulation by the FCA and Prudential Regulation Authority (PRA) for the conduct of UK business under Firm Reference Number 456936.
Loxa Ltd is the Policy Administrator and an insurance intermediary authorised and regulated by the Financial Conduct Authority (FCA no. 1018666).
These details can be checked on the Financial Services Register by visiting www.fca.org.uk.