Furniture Protection Insurance

Boost conversions, revenue and customer satisfaction when selling furniture in the UK

An elderly couple is shopping for sofas at a furniture store. The store has various design items displayed, including frames and light fixtures in the background. The couple are examining blue upholstered sofas protected by LoXXA furniture insurance.

Offer 5-Year Product Protection Cover at checkout to increase conversion, enhance customer value, provide peace of mind, and unlock a new revenue stream.

We’ll repair or replace items damaged by accidents, stains, or manufacturing defects. Increasing customer satisfaction and reducing the burden on your customer support.

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The Options

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Inclusive

Provide exceptional peace of mind to your customers by including complimentary 5-year Product Protection Cover with your Furniture.

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Add-on

Offer 5-year Product Protection at checkout to increase conversion, enhance customer value, provide peace of mind, and unlock a new revenue stream.

Our insurance solutions securely integrate into your physical and/or e-commerce store, whether through our Shopify app, Magento and BigCommerce native apps, API (compatible with platforms like WooCommerce), or in-store portal.

Our expert team will support you through the deployment process, so that you’re servicing your customers with the insurance in no time, with minimal disruption to your business operation.

Tablet displaying a product page for a 3-Seater Sofa with a price of £1,926.00. User's hand is poised to interact with the screen. Options for sofa colors are shown, and there is a promotional offer for LOXA 5-year premium product protection plan.
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Trusted by our retail partners

Logo for HomeDone with slogan "Everything Your Home Needs" on a lime green background.

“Like how Klarna simplifies offering payment solutions to customers at checkout, Loxa makes it just as easy for us to offer product protection to our customers at the same time. Their seamless integration and tech-first approach made embedding insurance the logical next step for enhancing our customer experience. The support team has been outstanding, and we’re excited to see the impact this will have on customer satisfaction and conversion on our store.”

Shahab Raghbi, CEO, Homedone

Benefits

Offering customers with protection against perils such as accidental damage and defects at point of sale is shown to:

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    Enhance customer loyalty and experience

    60% of online shoppers say insurance options offered at checkout would increase odds of making purchase (1)

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    Boost conversion, aiding your bottom line

    Sitewide conversion rate increase of 11% (2)

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    Differentiate your brand in a competitive market

    Customers willing to pay +21% when considering product protection for purchases (3)

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    Extend the life of products and promote the circular economy

    A 2022 survey showed that 81% expressed that companies should be encouraging people to fix their broken items (4)

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    Reduce customer support costs

    Claims handling service is rated excellent-4.7 by Trustpilot, so your customers are in good hands (5)

You can also service replacements for the retail value of the insured item.
Child holding a slice of pizza, with a pizza box on lap, wearing a white sweater and pink leggings, sitting on a couch protected by LOXA furniture insurance.

Cover

This insurance protects items of furniture from accidental stains, accidental damage, and structural defects, such as, but not limited to, the following:

  • Rips, tears and burns

  • Unexpected spills and stains

  • Manufacturing flaws, after any manufacturer warranty expires

Customers also benefit from no contribution (excess) payment required toward any claim.

Please note that we can only provide the cover to UK residents and that damage in transit, normal wear and tear, and any deliberate harm, are not covered under the insurance scheme.

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Claims

All claims are handled by expert Claims Handlers at Castelan Ltd who have a network of over 100 skilled repair technicians across the UK that will go to your customers home to assess and repair the item, if they can. If not, they will arrange a like-for-like replacement, or reimburse the customer to the financial value of the item via a voucher for your store, keeping the customer in your ecosystem.

Scheme Pricing

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    Inclusive Insurance

    Giving this insurance to your customers at no additional cost to them means that you’ll be paying for every policy provided, inclusive of Insurance Premium Tax. We’ll bill you monthly for this.

    Depending on the product category, the Premium will usually be less than 8% of the value of the item, and usually around 3% for sofas. We will supply you with indicative pricing lists, so that you can fully understand the cost to you.

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    Add-On Insurance

    You will retain a percentage of the insurance premium received for each policy you distribute, exclusive of Insurance Premium Tax. We’ll bill you monthly for the remaining proportion of the premium collected.

    Depending on the product category, the Premium will usually be less than 10% of the value of the item, and ~4% for sofas and ~9% for beds, on average. We will supply you with indicative pricing lists, so that you can fully understand the potential additional revenue to your business.

Getting started

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You will need to complete our onboarding form here, which will include KYB screening. We will then issue you with our contract to sign and arrange a kickoff call to ensure integration goes smoothly where we can:

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Install on your test website to make sure it goes well (if you have one)

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Provide engineering capacity, or support your tech team to install efficiently

Do you need to be regulated?

Simply put, our ToBA will allow you to “offer or arrange” insurance contracts that are complementary to your products without being subject to regulation by the Financial Conduct Authority (FCA), by utilising the ‘Connected Contracts’ exemption

(see PERG 5.11.13 G & ICOBS 2.6.1R).

Who provides the Insurance?

This insurance is provided by Acasta European Insurance Company Limited (registered no. 96218), which is authorised and regulated by the Gibraltar Financial Services Commission and subject to limited regulation by the FCA and Prudential Regulation Authority (PRA) for the conduct of UK business under Firm Reference Number 456936.

Loxa Ltd is the Policy Administrator and an insurance intermediary authorised and regulated by the Financial Conduct Authority (FCA no. 1018666).

Our Claims Handler for the scheme is Castelan Limited who are authorised and regulated by the FCA (FCA no. 572287).

Contact our team 

References

  1. PYMTS ‘Retail Product Insurance’ study (Jan-2020)

  2. Extend ‘BlendJet’ case study (2021)

  3. Cover Genius ‘The Retail Protection Report’ (Jan-2024)

  4. Circular. ‘Making the case for reuse’ (Nov-2022)

  5. Trustpilot ‘Castelan Group’ (Apr-2025)