Would have been zero. Purchased 5 year cover for a leather reclining chair with powered headrest from Leekes. Chair only 14 months old very rarely used (around a 2 to 3 times a month if that) however recently wife noticed a patch appeared on headrest.I tried to clean it off with the leather care product I purchased at the same time as the insurance but I made it worse. We then decided to call on the accidental damage insurance we where sold as all bells ringing cover for leather suites. How wrong where we.They rejected the claim saying it was body fluid that had caused the problem.When a technician came to assess the chair he had an iron that no doubt tested the moisture level in the leather and assumed it was perspiration .I even told him I think it was a hair gell I used that caused it and HE said it may have had a reaction. I also asked one or two questions about whether ⁸they use a spectrometer to match the colour .(having worked in the coloured coatings and inks industry for over 40 years ) The guy hadn't got a clue ,he said "I just send the sample off and leave it to them."All he did was take photos ,ripped a swatch of the under of the seat and left saying "Good Luck"He must have know from experience the claim would be rejected DON'T BUY INSURANCE FROM THIS COMPANY ITS A COMPLETE WASTE OF MONEY!!!!! Date of experience: 04 October 2024