Terms & Conditions

1. What a YBC plan is

A Your Brand Cover (YBC) plan is an Appliance as a Service plan. It is not insurance and not an extended warranty — it is a protection plan. In practical terms it gives you unlimited repairs while you are a customer and, on the Lifetime Appliance Plan, a new appliance every five years. All prices and fees are inclusive of VAT.

2. Requirements for cover

To take out a plan you must be 18 or over and resident in the UK. Each appliance you cover must be:

• Owned by you;
• In good working order when the plan starts;
• Under 12 years old at the time you take out the plan;
• Located in the UK, in the property shown on your plan documents;
• Used for personal, non-business purposes only;
• Not kept in an outbuilding, caravan, shed or garage.

If an appliance is 12 years old or older, or has a current fault, it cannot be added to a plan — please call 0800 023 9900 and the team will advise on your options.

3. The 30-day exclusion period

The first 30 days from your first successful plan payment is an exclusion period. Claims made within this window are not covered.

4. The 7-day repair promise

YBC's promise is to repair the covered appliance within seven days of the engineer first gaining access — or you can request a replacement appliance instead. The seven-day clock starts when our preferred engineer accesses the appliance, not when the claim is filed.

The promise applies provided you meet the cover requirements, the fault is not an excluded one, and you have not contacted a non-approved engineer or the manufacturer first.

5. What is not covered

The following are not covered by a YBC plan:

• Accidental or cosmetic damage;
• Theft or loss of the product;
• Appliances kept outside the home (outbuildings, caravans, sheds, garages);
• Products recalled by the manufacturer;
• Products modified from their original condition;
• Use outside the manufacturer's instructions;
• Faults caused by problems with the supply of electricity, gas or water;
• Routine maintenance, cleaning, servicing or routine re-gassing (separate from the Service & Protect benefit);
• Loss of earnings or other costs from being unable to use the appliance;
• Damage caused by neglect, deliberate damage, animals or insect infestation;
• Damage from sabotage, terrorism, war, riot, civil commotion or computer viruses;
• Repairs by an unauthorised third party;
• Damage to ceramic or glass surfaces;
• Damage caused during third-party delivery, installation or transportation;
• Personal injury, except where caused by YBC's negligence;
• Consumables and accessories;
• Repairs where the product is functioning within the manufacturer's tolerances (for example, a small number of dead pixels on a TV);
• Delivery, installation or integrating an appliance, unless agreed;
• Loss or corruption of data;
• Impairment of image quality on TVs, monitors and projectors.

Integrated appliances: if a covered integrated appliance needs replacing, YBC will only offer a freestanding replacement.

6. Additional charges

Beyond your agreed plan price, the following charges may apply:

• £25 cancellation fee per appliance — if you cancel your payment method or the plan outside the 14-day cooling-off period (waived in cases of severe financial difficulty);
• £5 admin fee — for reinstating a cancelled direct debit;
• £35 admin fee — for rearranging a missed engineer or courier appointment;
• Clawback — if you cancel outside the cooling-off period, YBC may charge for any repair or replacement costs incurred in the last 12 months. For claims made in the first 3 months of a plan, YBC reserves the right to collect the full outstanding amount of the plan.

All additional charges are applied at YBC's discretion.

7. Missed payments

Missed payments may suspend cover and affect your ability to claim. YBC will give at least 5 working days' notice before reattempting a failed payment, and reserves the right to reinstate a cancelled direct debit if not formally notified, and to use revenue collection services for outstanding amounts.

8. How to make a claim

Phone 0800 023 9900 as soon as the appliance develops a fault. Have your plan number and the product details — including the model number — ready.

9. Cooling-off period

You have 14 days from the later of (a) receiving your plan documents or (b) your plan start date to change your mind, cancel and receive a full refund of any payments made. This right does not apply if the plan ends automatically or YBC cancels it.

10. Cancelling after the cooling-off period

Your plan stays active until the end of the period already paid for, and no refund is given. You may also be liable for the cancellation fees above and the 12-month repair clawback. You must inform YBC to cancel — simply cancelling your direct debit can lead to the plan being cancelled by YBC and the cancellation fee applied.

You can cancel without additional charges during the renewal period (the 30 days before plan expiry through to 14 days after renewal). To cancel, phone 0800 023 9900, use the cancellation form in your paperwork, or write to us at the address below.

11. YBC's right to cancel

YBC may cancel a plan with at least 7 days' written notice if you fail to comply with the cover requirements, fail to pay, or use abusive or threatening behaviour towards staff or suppliers. No refund is given in these cases.

12. Renewals

Plans automatically renew yearly unless you ask to cancel. YBC writes to you 30 days before renewal, and you can cancel any time during the renewal period without additional charges. Renewals default to the 1-year monthly plan unless otherwise requested. YBC reserves the right not to auto-renew.

13. Replacements

There are three replacement scenarios:

• Lifetime Appliance Plan 5-year upgrade — after five consecutive Qualifying Years (a Qualifying Year being one where all payments are made and no replacement is issued), you qualify for a replacement of the same type of product and a similar or same specification.
• 7-day promise replacement — if YBC cannot repair within 7 days under the promise, you can request a replacement appliance of the same type and similar or same specification.
• General replacements — when a repair is not economical or the appliance is unsafe, a replacement is offered at YBC's sole discretion, up to the maximum value for your cover tier.

In any of these scenarios, if you refuse the replacement you can request vouchers worth £150 towards an alternative appliance — but choosing the voucher option ends the plan and YBC's obligations to you. Disposal, delivery and installation costs for a replacement are your responsibility, unless paid for separately at the point of order.

14. Force majeure

YBC is not in breach of contract if it cannot fulfil its obligations because of force-majeure events: industrial disputes, pandemics, civil disturbance, war, riot, fire, flood, natural disasters or acts of God.

15. Privacy

How YBC processes your data, and your rights under UK GDPR, are set out in our Privacy Policy.

16. Contact us

• Phone: 0800 023 9900 (Mon–Fri, 9am–5pm UK time)
• Email: info@yourbrandcover.com
• Post: Your Brand Cover, Rothbury House, 24 Franklin Road, Portslade, East Sussex, BN41 1AF