XCover Accident Protection

Last updated September, 12 2023

Outer backs our product with our unrivaled limited warranty, protecting our products for up to 10 years. However, life outside can be unpredictable and accidents do happen. Outer is proud to partner with XCover to offer protection for your new furniture to keep you ahead of life’s little mishaps. 


1. What’s included in the XCover Protection Plan?

The XCover Protection Plan covers:

  • Accidental damage during the warranty period.
  • Repair or replacement due to wear and tear not covered by Outer’s limited warranty.
  • Repairs at no additional cost for approved claims.
  • Reimbursement or replacement if your product cannot be repaired.
  • Repairs at no additional cost for approved claims.

2. What is not included in the XCover Protection Plan?

The XCover Protection Plan does not cover:

  • Repairs at no additional cost for approved claims.
  • Loss or theft.
  • Damage caused by or during the delivery process.
  • Manufacturer defects covered by Outer’s Limited Warranty.
  • Other exclusions apply (see T&C’s).

3. How do I view the detailed terms and conditions of the XCover Protection Plan before I buy it?

You can view the detailed terms and conditions contract here.

4. When does the XCover Protection Plan begin and end?

The XCover Protection Plan begins when your new Outer product is delivered. The plan will be in effect starting on the delivery date and will protect against accidents for the duration of your selected plan term.

5. Do I qualify for XCover Protection Plan options?

The XCover Protection Plan is available to you if all of the following are true:

  • You are a customer in the United States of America (excluding territories).
  • You purchased your product directly from our website.
  • You are within the first 60 days from the date of purchase.

6. When are you ineligible to purchase a XCover Protection Plan?

  • Customers cannot purchase a Protection Plan after a breakdown occurs.
  • If the product is not eligible for a protection plan.

7. Are all Outer products covered by a XCover Protection Plan?

Outer’s full catalog is eligible for XCover Protection Plan coverage with the exception of our rugs.

8. How do I purchase a XCover Protection Plan?

There are three ways to add a XCover Protection Plan to your product:

  • From Outer’s website – You can choose the XCover Protection Plan option at checkout when purchasing your product.
  • Through the link in the post-purchase email if you chose not to purchase at the time of initial purchase.

9. How can I file a claim?

  • The XCover claims process is quick and hassle-free, with payment or reimbursement for approved claims processed instantly. Our dedicated team at XCover aims to complete 95% of claims within 3 days of claim filing, so keep a close eye on your emails to ensure there’s no delay. When you first visit XCover you will need to activate your account. Simply find the confirmation email from XCover in your inbox and click the link to set up your XCover Account. Once your account is activated, visit XCover Claims to get started. 

10. Can I file multiple claims?

Yes, you can file multiple claims using your XCover Protection Plan during the course of the contract’s term. You are covered for multiple repairs up to the value of the original product purchase price. If your claim is approved for a full reimbursement or replacement product, then your contract is fulfilled. You will have the option to purchase a new protection plan for your replacement on xcover.com.

11. Is there a deductible?

There are no deductibles.

12. How do I make a change, cancel or get a refund for my protection?

You can make a change or cancel your XCover Protection at any time. You can modify your XCover Protection and update your policyholder details by logging in to your XCover Account using the same email address that you used for your order on liveouter.com.

13. Does the XCover Protection Plan provide coverage for theft or loss?

No, this XCover Protection Plan does not cover for loss or theft.

14. Is there a limit on the plan’s protection value?

The replacement value for products is limited to the original retail value of the protected products.

15. Can I cover more than one item with a single XCover plan?

Each item in your cart must have its own plan to be protected. As an example, if two products are added to cart but only one plan is purchased, only the product associated with the added plan will be covered.