Interesting! We also (wife and I) bought a fairly expensive leather suite from a well known and up market store about a year or so ago. Because of the leather finish, we included a 5 year repair/replacement warranty from Homeserve. At the beginning of this year, we noticed a mark on one of the seats, and using the kit that was supplied to us, tried to remove it with no success. An expert visited, and despite all his efforts, also failed to remove the stain. Some weeks later, we received a letter from Homeserve saying that it was going to replace the seat unit (these are not removeable). Months have passed, and just as we were going to call them for an update, we received a letter from them stating that the claim can now be resolved. Apparently, the 'manufacturer are no longer able to supply the replacement parts required to complete the claim'. Homeserve are offering a cah settlement of £828 in lieu of repairs or replacement and that we would keep the goods in their present state. Oh, and the warranty will cease immediately and no further claims will be accepted. At first glance we thought that maybe the offer was fair, but then after taking away the initial £300 that the warranty cost, and the fact that we have lost nearly 4 years of cover, is this such a good deal? Should I go back and hang out for more compensation? I am not greedy, but I also hate the idea of any insurance companies duping their customers out of correct cover/compensation. How did they come up with that figure? Champy