MB&G Insurance Arvostelua 

Avoid Dreams warranty if you can. My mattress had a genuine structural fault — sides caving in, not bouncing back — and they sent Emmiera out to inspect it. The claim got declined for "no manufacturing fault" because the bed base "isn't supportive enough." I read my actual policy documents cover to cover. An unsupportive bed base isn't listed anywhere in their terms as a reason to refuse a claim. It's not one of their exclusions. They just made it up.

The inspection report doesn't even agree with itself. One box says "Soiled: No." A few lines later they use staining as a reason to decline. Then: "the lay test showed the mattress is fully supportive," followed shortly after by "a lay test was done, and it was not supportive." Same test, same report, opposite answers.

The report is padded out with photos of a digital gauge doing a "pressure test" and a "dip test," with numbers on the little screen — but nowhere does it say what those numbers actually mean, what unit they're in, or what the "industry accepted" tolerance is supposed to be. They just tell you the settlement test was "within tolerance" and expect you to take their word for it, with no standard shown and no way to check it.

Worst part is the report's conclusion: "I have inspected the issues and found that they are not manufacturing related and have explained my findings in full to the customer. They do not accept my explanation." None of that happened. When we asked the technician what the outcome was, he told us he doesn't make the decision himself. He explained nothing, refused to tell us anything, and walked away. He then wrote up that we "refused to sign" — of course we did, there was nothing to agree or disagree with, because he never told us what he'd found.

I appealed all of this in writing. Weeks later I got a "final response" that just repeated the original decline and ignored every point I raised. Paid for cover, got a report that contradicts itself, numbers nobody explains, and a technician who wouldn't share his own findings before writing that I rejected them. Don't bother.

Very poor service and assessment process. Communications only by email after submission of online form. I tried ringing but was told to use email communications after submitting claim. I submitted a Motorhome Warranty claim that was wrongly declined by thier own admission after arguing my case. It was then declined again after they found another reason to avoid payout. I have no faith it would be possible to obtain a successful claim without substantial arguments or involvement of external financial authorities. The whole process took 10 weeks to final decline. I cannot reccomend MB& G insurance.

Used this company for years for our warranty.
Always great customer service.
Would highly recommend them.

I was requested to submit a claim for scratches on a car and to get the work done as I was under time pressure to sell. I submitted the invoice as requested and was then asked to get the company to produce another invoice breaking down cost for each panel. Once submitted they stated my original photographs were not sufficient to honour the claim. Phoned and emailed multiple times and fobbed off each time. Feels like a con. I would not use them again. It would have been cheaper and less hassle to repair the scratches than pay for their insurance. I am still waiting to discuss this with their management who always seem to be in meetings.

I am writing to express my concern regarding my claim for the OAK Furnitureland purchase, which was accepted in March and April 2026. Despite this, I did not receive any information about the replacement order until I tried call MB&G multiple times. The replacement items were finally delivered on 7 August 2026, but one item was missing. OFL advised that they delivered everything included in the order.

Following this, the MB&G agent informed me that the matter would be investigated and that I would receive an update within one to two weeks. We are now approaching the end of the third week, yet I have still not received any communication or progress update.

This has been a disappointing experience, and it has left me questioning the value of purchasing insurance for furniture in the future.

While the customer service agents I spoke with were polite and helpful, the overall process has been extremely poor and has caused significant inconvenience.

Would definitely recommend, cheap insurance and helpful assistant called Jess who was very pleasant and professional

The service from Jess was excellent.
Very friendly and efficient.
Very easy to extend my policy.

We were very disappointed with the experience with our motorhome warranty. When we made the claim we discovered that the policy did not cover the full costs of the breakdown, there was no cover for diagnostics costs and the labour costs were limited, leaving me the decision to pay the bill myself.
We looked into the claim process, and decided to pay for the repairs ourselves, including the diagnostics, as it simply wasn't worth the hassle given the amount that wouldn't be covered. However, as the claim was rejected, the company would not make any contribution towards the vehicle recovery costs.
The warranty provided far less cover than expected and would advise anyone considering this type of warranty to fully understand exactly what is and isn't covered before purchasing.

This company are absolute COYBOYS ! Missold insurance by Lloyd motor group and when it came to claiming they used every tactic to avoid paying out !
AVOID AVOID AVOID !!!!
I will never spend a penny with Lloyd’s motor group again

Jessica was very helpful throughout the process and explained everything clearly,
I would not have known about this type of insurance if she had not called.
Please keep up the good work Jessica you are a star.

Having severely damaged our Eriba caravan while on holiday in France we needed to make a significant claim and work through specialist repairers. Throughout the complex process of our claim Luke Armstrong of MB&G was prompt, positive, attentive and considerate. HIs support and service were simply excellent, and I am very grateful for that.

This insurance company own Xcover. Well got cover through the retail store Wayfair for furniture. Made a claim. They sent an inspector from Emmiera group to inspect the furniture damage by my pets. The guy came around and was speaking to me he ask how I told him it’s the cats jumping on the furniture with their claws out leaving holes in my furniture took photos saw the cats told me the next action and how they mend certain fabric. That was two months ago I contacted Emmiera group to find what’s happening and the next day I got a decline email stating wear and tear. So I have contacted xcover concerning the issue and pet damage is covered through my policy. So all I want is a copy of the report and a final response letter so I can contact the ombudsman. It’s laughable wear and tear the furniture looks new it’s just the holes the cat claws have made. I love the fight with these corporations. They’re pick the wrong guy to say wear and tear. They will do anything to not pay out thank god for the ombudsman. Update 11/08/26 the company MB&G insurance has stated that my review is for another company yes xcover which you can contact MB&G Insurance (who partners with or manages specific warranties/policies alongside platforms like XCover) using the following email addresses depending on your needs. Also let’s see how long it’s going to take for them to reply to my complaint if it’s eight weeks but they are interested with my review. Just be professional it’s all going to end up on the ombudsman’s desk…

Lauren explained everything very well making the decision a no brainier.

I have been trying to get the motor replaced in my Oak furniture Land recliner chair since March. Engineer came out straight away who authorised the replacement part but I am still waiting for the part to be delivered. Every email sent gets the same unhelpful response and they are refusing to replace the settee despite it not being fit for purpose. Don't waste your time or money, shop else where.

Your representative Jessica made the whole process of renewing very easy to do over the phone with her excellent telephone manner

LAUREN HOLDEN has a excellent telephone manner easy to listen to (as I'm hard at hearing) she explained the gold policy well and then passed me to the claims department excellent again.

All explained well, the set up of the policy was easy

Luke was very helpful during the stressful time of dealing with the claim process. All done on line and accepted by mb&g without any issue. Caravan now being repaired as good as new.

Speaking to the team reassured me on everything I need to know.the ladies name was Lauren holdon.

Lauren was outstanding, great customer experience and she didnt quit trying to reach me, Gap insurance and Life insurance are probably the best insurances to have.