This company, promises you will have your appliances covered should they need a repair, or will be replaced if your item is broken and can’t be repaired. That’s a blatant lie, they take your money and don’t breach their own terms and conditions. Hopefully they will get their comeuppance! Save your money & DON’T insure your appliances with Home Shield Direct. Do your homework and read the reviews, on as many sites as you can: If you want piece of mind that your appliances are covered then go to Domestic and General. If you want severe stress and anxiety then by all means use Home Shield Direct. You will definitely wish you hadn’t I tried to go through the financial ombudsman, unfortunately HSD are not registered with the FOS 🥲