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Smart Home Electronics
Buy Now Pay Later
Delay paying anything for 6 months on selected orders when you spend €200 or more.
- Buy Now Pay Later is an interest bearing option that allows you to delay payments on your purchases for up to 6 months.
- The delayed payment period starts from the date of order (including pre-ordered items and those not ready for immediate dispatch).
- Buy Now Pay Later gives you the freedom to buy what you need and pay for it later.
- You can avoid all the interest by paying the cash price before the end of the delayed payment period, this can be done in one full payment or multiple partial payments.
- If you choose not to pay the cash price before the end of the delayed payment period, any outstanding balance plus a lump sum of compound interest will be charged to your account.
- The costs for delivery and installation services cannot be placed on Buy Now Pay Later.
Warning: This is high-cost credit. Consider alternative options before applying for this credit, including alternatives from other lenders regulated by the Central Bank of Ireland.
Representative example based on minimum monthly payments.
€200 purchase 22 monthly payments of 10% of balance (or €10 if greater)
Rate of interest 39.7% APR
Total amount €256.23
If you pay more than the minimum monthly payment the loan will be cleared in a shorter period of time.
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Protect - Replace. Accidental damage and breakdown cover. Get a replacement with no excess to pay. Exclusions apply.
Protect - Replace
can help protect your purchases when it matters most.
Would you need a replacement if this product stopped working? Protect – Replace covers accidental damage from day one and breakdown after the manufacturer’s warranty ends.
Would you be lost without this electrical product? If it breaks, we’ll replace it with no excess to pay.
Protect – Replace is available to purchase in connection with all eligible products.
Why choose Protect – Replace?
- Accidental damage covered from day one
- Breakdown after the manufacturer’s warranty has expired
- 97% of claims for Protect – Replace were accepted between July 21 to June 22.
Key Benefits:
- Accidental Damage
- Instant replacement if the product breaks down
- Protection for mechanical and electrical breakdown
- Worldwide cover outside of the UK for 30 days
Examples of what's not covered
- Loss or theft
- Wear and tear
- Failure to follow the manufacturer’s instructions
- Deliberate damage, neglect, abuse or misuse
Additional information can be found in the Insurance Product Information Document (IPID)Insurance Product Information Document (IPID) and Further Relevant InformationFurther Relevant Information.
The full list of benefits and exclusions can be found in the policy Terms and ConditionsTerms and Conditions.
Please remember to check if your item is already covered by another insurance policy and be aware that if you choose to register your product for any additional extended warranty cover offered by the product manufacturer, it could lead to some duplication of cover.
Terms and conditions apply. Protect – Replace Insurance is arranged and administered by Shop Direct Finance Company Limited. Registered Number 4660974. Registered office: First Floor, Skyways House, Speke Road, Speke, Liverpool, L70 1AB. Authorised and regulated by the Financial Conduct Authority. Firm Ref: 312190. Protect – Replace Insurance is underwritten by American International Group UK Limited (AIG). Registered Number 10737370. Registered office: The AIG Building, 58 Fenchurch Street, London EC3M 4AB. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Ref: 781109. This can be checked by visiting the Financial Services Register (https://register.fca.org.uk). AIG is a member of the Association of British Insurers.
As Shop Direct Finance Company Limited acts as agent for the AIG, monies paid to (or held by) Shop Direct Finance Company Limited in relation to the insurance contract are treated as having been paid to (or held by) AIG.
Shop Direct Finance Company Limited will receive a commission from AIG for arranging and administering your Insurance policy.