We had our settee for about 3 years which was fabric leatherette, and the top layer of this settee was coming off, had the insurance they came out and said it was wear and tear which we weren't happy with, so phoned scs they said we could pay £75 for an independent person to come put which we did , man came out said it was a manufacturing fault with the material, and that scs would either recover it , or give us a new one, giltbrook store , eastwood, only then offered us 40% off a new one, we werent happy with that so they've sent it to a retail company that sorts out disputes, that was June were still waiting, another 90 days from October, doesn't look like it's going to get sorted anytime soon scs are rubbish if this is your customer service, our settee has deteriorated even more now its disgusting, if I would have continued with the finance I would have only just finished paying for these settees that are now no good, so my advice is dont take out the insurance not worth the paper it's written on , or leather kit sold to us with a fabric settee at 30 quid