STAIN COVER INSURANCE POLICY
In consideration of the payment of premium and acceptance by the Underwriter, the Underwriter shall indemnify You during the Period of Cover for the cost of professional cleaning of the Covered Product(s) or, where a stain cannot be removed by professional cleaning, replace the damaged Covered Product(s), subject to the terms and conditions of this policy.
This policy contains all contractual terms and conditions of Your cover, the benefits and exclusions and the claims procedure. Please read it carefully so that You know what is and is not covered.
1. DEFINITIONS
The words which appear in this policy with a capital letter have the following meanings:
"Commencement Date" means the date that the Covered Product(s) were delivered to You.
"Covered Product(s)" means the new fabric upholstered furniture purchased from the retailer for private domestic use and itemised overleaf.
"Period of Cover" means a period of 5 years from the Commencement Date.
"Valspar means Valspar Industries (UK) Limited, 152 Milton Park, Abingdon, Oxfordshire, OX14 4SD.
"Underwriter" means Pinnacle Insurance plc of Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire WD6 2XX.
"You/Your" means the person who has purchased the Covered Product(s) and this 5 year stain cover insurance.
2. LIMIT OF INDEMNITY
The Underwriter's maximum liability to You during the Period of Cover shall not exceed the original purchase price of the Covered Product(s).
3. EXCLUSIONS
This cover does not include:
- Stains resulting from dyes (including indelible ink and turmeric e.g. curry), acids, caustic solutions, adhesives, paints or burns;
- Damage caused prior to or during delivery;
- Covered Product(s) used for commercial or rental purposes;
- Covered Product(s) that has/have been mishandled, abused or neglected;
- General everyday soiling resulting from normal use;
- Stains not attended to promptly in accordance with Clause 4 “What to do in the event of a spill” and not reported at the earliest possible convenience after the incident of staining occurs;
- Any accidental stains to the Covered Product(s) occurring outside the United Kingdom, the Channel Islands and the Isle of Man;
- Unidentifiable stains;
- Cleaning of the Covered Product(s) which has not been undertaken by Valspar or their authorised agent;
- The cost of replacing any undamaged item or parts of items of the Covered Product(s) which form part of a set, suite or has a uniform nature, colour or design if the damaged Covered Product(s) is repaired or replaced; or
- Loss of use of the Covered Product(s) or any other consequential loss.
4. WHAT TO DO IN THE EVENT OF A SPILL
- You should act immediately. Blot liquid spills or remove solids with a clean white cloth/paper towel, work towards the centre of the spill. Do not rub – this will damage the Covered Product(s).
- Should a spill result in a stain, follow the claims procedure in Clause 5. below.
5. CLAIMS PROCEDURE
In the event of a possible claim under this cover please follow the claims procedure set out below. Contact Valspar as soon as possible by telephoning 0800 282 952 Monday – Friday, 9am – 5pm with the following information:
- Your name, address and postcode;
- contact telephone numbers;
- Customer Reference Number (shown overleaf);
- details of the Covered Product;
- a summary of the problem and how it occurred.
NOTES AND TERMS AND CONDITIONS REGARDING CLAIMS PROCEDURE
- All possible incidents that may give rise to a claim under the terms and conditions of the policy must be notified at the earliest possible convenience to Valspar as soon as the incident of staining occurs.
- In order to claim, You will be required to complete a claim form.
- Valspar may inspect the Covered Product to help assess Your claim.
- Depending on the nature of the claim Valspar may supply You with a cleaning kit. If the cleaning kit does not remove the stain and You require professional help, Valspar will arrange for an authorised agent to visit Your home.
- In the event the Covered Product(s) is cleaned the Underwriter cannot guarantee an exact colour match with the remainder of the upholstery. The authorised agent will use reasonable endeavours to clean the stain by way of spot cleaning the stained area and blending with the remainder of the upholstery. The Underwriter will not be liable if the Valspar authorised agent has used reasonable endeavours as set out in this Clause.
6. GENERAL CONDITIONS
- You must follow the manufacturer’s instructions for the care of the Covered Product(s) and take all reasonable precautions to avoid damage.
- This policy shall be governed by English law. The parties to this policy agree to irrevocably submit to the jurisdiction of the courts of England and Wales unless You live in Scotland, Northern Ireland, the Channel Islands or the Isle of Man, in which case You will be entitled to commence legal proceedings in Your local courts.
- You must take all reasonable care to prevent accidents and damage to the Covered Product(s) and keep the Covered Product(s) in a good state of repair and condition.
- The Underwriter’s liability to You under this cover shall immediately cease:
- In the event of fraud or misrepresentation by You or Your agent;
- Once the limit of indemnity in Clause 2 has been reached;
- On the expiry of the Period of Cover;
- If a claim has already been made for the Covered Product(s) under any other cover/insurance; or
- If any of the Covered Product(s) is replaced. in accordance with the terms and conditions of the policy or at the discretion of Valspar.
- You will be liable for any costs falling outside this cover.
- When this policy ends it will not have a cash or surrender value.
- The premium paid for this cover is non-refundable.
- It shall be a condition precedent to the Underwriter’s liability that You comply with each of the terms and conditions set out in this policy.
- You may cancel this policy by advising the retailer from whom the Covered Product was purchased within 30 days of the Commencement Date and receive a full refund of any premium paid, providing no claims have been made. Thereafter You may cancel this policy at any time however, You will not be entitled to a refund of the premium.
- The Underwriter is covered by the Financial Services Compensation Scheme (the “FSCS”). You may be entitled to compensation from the FSCS if the Underwriters cannot meet their obligations. The amount of compensation depends on the type of business. Most types of insurance business are covered for 100% of the first £2,000 of a valid claim and 90% of the remaining amount of the loss. Further information about compensation arrangements is available from the Financial Services Compensation Scheme on 020 7892 7300.
7. ENQUIRIES AND COMPLAINTS
Any queries or complaints you have regarding this cover should in the first instance be addressed to: Valspar Industries (UK) Limited 152 Milton Park, Abingdon, Oxfordshire OX14 4SD.
If You are still not satisfied, any queries or complaints You may have regarding this cover should be addressed to: Customer Relations Manager, Cardif Pinnacle*Pinnacle House, A1 Barnet Way, Borehamwood Hertfordshire WD6 2XX.Please quote Your Customer Reference Number (shown overleaf) so that Your enquiry can be dealt with quickly.
Should the matter still not be resolved to Your satisfaction, You will have the right to refer Your complaint to: The Financial Ombudsman Service (FOS),South Quay Plaza, 183 Marsh Wall, London E14 9SR. This procedure will not prejudice Your right to take legal proceedings.
However, please note that there are some instances when the FOS cannot consider complaints. This document is evidence of the terms and conditions of the 5 year Stain Cover policy 02220 14/04/2008 distributed by Valspar Industries (UK) Limited, and underwritten by Pinnacle Insurance plc, Registered Office: Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire WD6 2XX, United Kingdom. Registered Number: 1007798.
* Cardif Pinnacle is a trading style of Pinnacle Insurance plc.
Pinnacle Insurance plc is authorised and regulated by the Financial Services Authority.