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What to do if... your sofa gets ruined


Spilling coffee on the sofa, getting cigarette burns on the carpet, leaving the tap on and flooding the bathroom - household accidents happen, but they don't have to leave you out of pocket.

  • First steps
  • What happens next?
  • Putting things right
  • Preventative measures
  • How John Lewis Insurance can help
  • First steps

    Accidents happen - it's unavoidable. Your first step is to make sure that you're protected against them.

    Accidental damage cover

    With many home insurance policies you'll only get compensation if the damage isn't your fault - for example if you're burgled or your home is damaged in a fire. If you drop your new camera or spill wine on your carpet you're on your own.

    To be compensated for accidents you need a home insurance policy that covers accidental damage. Some companies offer accidental damage cover as an optional extra with their home insurance, at an additional charge. 

    What happens next?

    Prevent further damage

    If you've accidentally damaged something in your home, the first step is to prevent further damage as much as possible. Mop up the coffee, turn off the water - whatever the situation demands.

    Check your policy

    Next, check your policy to make sure the accident is covered. A few aren't - for example, an electrical fault in your computer generally isn't covered under accidental damage. In cases like this, you should rely on the manufacturer's warranty rather than your home insurance policy.

    Remember not to throw any damaged items away immediately, as they’re used by the insurer to help settle the claim.

    Check with your insurer what you need to do to make a claim, such as photographing damage and keeping receipts for replacement items. They will take the details of your claim and put the wheels in motion to get your property replaced or pay you the value of the item.

    To make a John Lewis Home Insurance claim:

    • for Home Insurance, call 0845 078 3838
    • for Specialist Home Insurance, call 0800 916 6890

    Putting things right

    Never just go ahead and replace your damaged property - wait until your insurance company confirms your claim. If they decide to repair your property instead of replacing it, you'll end up having to pay for the replacement yourself.

    Preventative measures

    Some retailers offer treatments for furniture and carpets that protect them
    from spills.

    How John Lewis Insurance can help

    John Lewis Home Insurance offers Accidental Damage Cover as standard with our Premier Cover, so you're covered if that glass of Shiraz accidentally spills on your carpet.

    Find more about our Home Insurance cover options now.

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We have carefully selected Royal & Sun Alliance Insurance plc to underwrite John Lewis Home Insurance.

Terms, conditions, limitations, exclusions and eligibility acceptance criteria apply.

John Lewis Insurance is a trading name of John Lewis plc. Registered office: 171 Victoria Street, London SW1E 5NN. Registered in England (No. 233462). John Lewis plc is an appointed representative of Royal & Sun Alliance Insurance plc. John Lewis Home Insurance is underwritten by Royal & Sun Alliance Insurance plc (No. 93792). Registered in England and Wales at St. Mark's Court, Chart Way, Horsham, West Sussex, RH12 1XL. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register No. 202323). Calls may be recorded and monitored.

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