We spent £1500 on a bed at dreams, just a year or so later one of the boards on the base gave way. The "independent" assessor rushed in, declared it was due to undue pressure, took a few photos and rushed out. Surprise, surprise the report says it's our fault as we sat on the bed too much! This bed takes up to 115 kilos of weight, I weigh 80 kilos so surely sitting on the bed shouldn't be a problem, even if I did sit on it too much (I don't) The assessor didnt ask any questions just assumed what had happened. What a waste of money the insurance is, it's loaded in their favour