Replacement of matching sets cover

If you accidentally damage part of a kitchen unit or one dining room chair, will your insurance provider replace the set, or just the item that’s broken? Here’s the lowdown on matching-sets cover.

If you accidentally damage part of a kitchen unit or one dining room chair, will your insurance provider replace the set, or just the item that’s broken? Here’s the lowdown on matching-sets cover.

Chris King
From the Home team
4
minute read
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Posted 26 APRIL 2021

What is matching-sets insurance?

Matching-sets home insurance – sometimes called matching-items cover – is what protects you if you break one of your dining chairs, or damage part of a three-piece suite. It means that if you make a claim, your insurance provider will replace the complete set, rather than just the broken item.

Some standard insurance policies will only cover the cost of replacing the damaged item – not the whole set. This can be a pain if you can’t buy the chairs individually, or if the company has stopped making them. Even if you can source the item, you might find it’s not an exact match with what you have – the colour might be slightly different, for example.

But with matching sets home insurance, you should be covered to replace the lot.

Does matching-sets insurance come as standard?

That depends on your policy – which is why it’s so important to read your policy details carefully. If your policy covers only the cost of replacing the damaged item, rather than the whole set, you may want to extend it.

If you’ve got a premium or fully comprehensive policy, you may well find that matching-sets cover comes as part of the deal.

Will my insurance provider cover the whole cost of replacing the set?

Not necessarily – again, it depends on your policy. For example, some might cover the whole cost of the damaged item, but only 50% of the cost of replacing the matching items. Always check your policy details to see what you’re actually covered for.

Is it worth paying for matching set insurance cover?  

That depends on how much your furniture is worth, and how much extra the cover is going to cost you. If your three-piece suite was a second-hand bargain, matching-set insurance probably isn’t something you need to bother with. But if you’re lucky enough to own a designer dinner service or bedside tables, for example, you may want to make sure you have maximum protection.

What counts as a matching set?

It’s likely you have more sets in your home than you think. Here are a few examples of matching sets you might own:

Dining table and chairs

If you damage one chair from a set, it can be hard to find another that matches. The firm may have discontinued the line, not sell items singularly, or it might be a handmade or antique piece that can’t be easily replaced.

Kitchen units

It’s not always easy to buy individual kitchen units. If you wreck one, you may find that you need to replace them all.

Bathroom suite

What happens if you crack your bath and can no longer find the same model? Can you replace your whole bathroom suite – sink, toilet and all? If you have matching-sets insurance in place, then yes, you can.

A new bathroom suite is usually something you’d claim for on your buildings insurance. If you bought a fully comprehensive policy, you may find that it already includes matching-sets insurance.

Three-piece suite

Will your insurance provider replace your sofa if the matching armchair is damaged? If you can’t get hold of a reasonable replacement and you have the right contents insurance in place, then your insurance provider will cover the cost of replacing the whole set.

Dinner service

Perhaps you received an expensive dinner service as a wedding present. Replacing a single plate or bowl could prove tricky. Matching-sets insurance will mean you can replace the whole thing.

How to make a claim on matching-sets insurance

If you find yourself needing to make a claim, here’s what to do:

  • Call your insurance provider as soon as possible.
  • Take photos of the damage.
  • Dig out any receipts if you have them.
  • Wait for the go-ahead from your insurance provider before you replace the set.

How can I find replacement of matching sets insurance?

When you compare quotes, check the terms and conditions to see which policies include replacement or matching sets cover.

Remember to make a note of any exclusions, so you know exactly what is and isn’t covered. 

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