Had a problem with one of my chairs when a scuff mark appeared but wasnt sure how as it had happened? I completed the forms as had taken out the insurance but stated that I thought it might be a fault on the leather. My claim was almost immediately rejected. I did email DFS but they have not even had the courtesy to reply so I would recommend that you do not bother paying for any insurance as it is a complete waste of time as they are not interested in any type of customer service at all.