When purchasing my leather sofa at Harvey Norman the sales agent advised me that insurance covers all accidental damage. Turns out this is not true. Put in a claim to repair accidental scratches on my sofa directly to multimaster and my claim was declined because it was apparently accumulated damage and needed to be reported within five days of the accident happening. So I would have needed to make about 10 separate and immediate claims for the minor scratches on my cushions. How pathetic. I was asked to provide photos of all the different angles and asked several questions over the course of a week and then my claim was denied. This forces me to question the sales tactics of the sales reps of furniture retailers because clearly there has been a misrepresentation of facts. Please read the terms and conditions before buying any type of furniture insurance, because you certainly DO NOT get what you pay for!!!! I was certainly not afforded the opportunity to read the terms and conditions before buying the insurance. I stupidly trusted the sales rep. DO NOT BUY MULTIMASTER FURNITURE INSURANCE!!!!!!! Waste of money. Oh and their leather cleaning product is useless too.