Had a suite off Harveys coloured faded everywhere arms collapsed three times they send out Homeserve repaired the arms, when one came about the colour fading he agreed it was probably a manufacturing fault and did a report, when contacted by Harveys they said the Homeserve engineer said it wasnt a fault and wouldnt pay up. This year had a suite off Homebase, after 10 months noted there was a dark small patch where the colour had come off, Once again they sent out someone out from Homeserve who in my opinion hadnt got a clue, didnt attempt to re-colour the patch said it wasnt a stain but would send photos in and it would be repaired regardless, following day got a call off Homebase saying they had seen the photos and as far as they are concerned it was a stain,put the phone down on them. I got a proper leather repair man out the following week who repaired it on the spot, said the colour had broken down and was a manufacturing fault, my point is all these companys use Homeserve who will always look after their paymasters first. Be warned I know of several people who have Homeserve policies but they always have get out clauses so they dont have to pay out, Cancel your policies I cancelled my dads who had paoid out £20 a month and they dont even cover a stop cock, rip off merchants