I feel l was totally missed sd the accidental cover insurance when l stated to the sales lady that l had dogs. I was assured that l would be covered by pet damage....1 claim a year up to the value of the sofa. Castelan insurance have stated the damage to my sofa is not accidental but wear and tear and the sofology team state it's not wear and tear but accidental damage!!!! It's got to he one or the other.....my suite is just over a year old and cost 3k......l am not amused and have contacted the financial ombusman......do not take out this insurance.....its just robbery!!!!