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5-Year Accident Cover £22

We know how important it is to keep your new sleep products safe, but we also know accidents can happen. With Accident Cover, we’ll help you keep your bed and/or mattress in their very best condition.

We are paid by the insurer through commission, which is included in the premium you pay.

So what is covered?
  • Food and drink spills such as coffee or red wine
  • Ink marks from biros, permanent markers etc
  • Make-up and cosmetic stains
  • Accidental damage caused by pets
  • Burns from heated appliances such as straighteners or curlers
  • Rips and tears
  • Damage causing breakage to the frame
What is not insured?
  • Deliberate damage caused by you or any person
  • General wear and tear
  • Accumulation of damage or staining
  • Any structural or manufacturing defects
  • Accidental staining or damage caused by the use of incorrect cleaning products
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Can a Mattress Protector Keep You Cool? Choosing One for Hot Sleepers

You can spend a great deal of money on a mattress engineered to move air and shed heat, then seal the whole thing under a twenty pound protector with a plastic backing. The mattress gets blamed, returned or slept on resentfully, and the actual culprit is the layer nobody thinks about, sitting directly under the sheet and directly against you.

A protector doesn't have to make you hot - in fact, some are built to help you sleep cooler. The difference is entirely in the construction.

Why a Cheap Mattress Protectors Heats

The problem is nearly always waterproofing done the lazy way. To stop liquid getting through, budget protectors use a solid plastic or vinyl backing. It works, in the narrow sense that liquid doesn't pass. Neither does anything else. Air can't move through it and the water vapour your body releases all night can't either, so heat and humidity collect in the few millimetres between you and the mattress.

There's a second cost that's less obvious. That backing also seals the mattress off from you, which means any cooling built into the mattress, breathable foams, spring layers designed to push air upwards, a cool-touch cover, is now working underneath a plastic sheet. You aren't sleeping on your mattress any more. You're sleeping on the protector.

Three Things That Make a Protector Sleep Cool

Breathability comes first. The material has to let air and vapour pass rather than forming a barrier, which is why our protectors are built around soft, quilted cotton rather than the noisy plastic construction that generates most of the complaints we hear.

Moisture management comes second, because dryness is most of what "cool" actually means at four in the morning. A protector that carries moisture away and lets it evaporate keeps you far more comfortable than one that holds it against you. Third is the membrane, if there's waterproofing at all. Modern waterproof protectors can use breathable membranes that block liquid while still letting air and vapour through, which is the technical answer to a trade-off that used to be genuine.

Do You Even Need Waterproofing?

This is worth asking honestly, because full waterproofing is the feature with the most potential to cost you breathability if it’s not been made with heat issues in mind. If you're protecting against children, pets, spills or incontinence, then yes, and you should be looking for a breathable waterproof design rather than going without.

If what you're really guarding against is sweat, body oils, dust and general wear, a breathable non-waterproof protector could be more comfortable and still does the important job. It's a washable barrier between you and the mattress, keeping it clean and extending its life. Deciding which problem you're actually solving is the quickest route to the right product.

Fit, Depth and Why Protectors Ruck Up

A protector that doesn't fit properly gathers into ridges under the sheet, which you can feel, and doubles the fabric over itself in places, which makes those spots warmer. The usual cause is depth. Mattresses have got considerably deeper over the years, and a shallow protector simply cannot stretch round one.

Measure your mattress, including any topper, before you buy. At Simba, ours are made to fit mattresses up to 40cm deep in every size, which covers our entire range including the 34cm Hybrid® Ultra, and they use bound edges to hold the protector securely rather than letting it shift about in the night. That bound edge is a small detail that does a lot of work.

What We Make, and Who Each One Suits

Our protectors differ by priority rather than by price alone. The Quilted Performance Mattress Protector is the most cushioned, with soft padding for extra comfort and a wash-resistant anti-dust mite treatment designed to help soothe allergies, so it suits anyone wanting comfort and allergy considerations together.

The TripleShield Tencel Cool Mattress Protector is the one we'd point a hot sleeper towards if waterproofing is essential. It's soft and stretchy, pairing TripleShield technology for protection with breathable TENCEL™, which sleeps cool and stays quiet. If heat is your priority, a breathable mattress protector that won't trap heat is worth choosing on construction rather than on price.

Protector or Topper? Not the Same Question

Hot sleepers frequently conflate the two. A protector is thin, washable, and there to keep the mattress clean without changing how the bed feels. A topper is a comfort layer several centimetres deep that changes the feel of the bed and adds insulation between you and it.

If your bed is comfortable but you run hot, a breathable protector on its own is the answer, and adding a deep topper will make things worse by putting more material between you and any cooling in the mattress. If you need a topper for comfort as well, choose one built for airflow and pair it with a breathable protector rather than stacking two dense layers. The order and number of layers matters as much as the individual products.

FAQs

Yes, and it's one of the most common causes we hear about. Protectors with a solid plastic or vinyl backing block air and water vapour, trapping heat against you and sealing off any cooling technology in the mattress underneath. A breathable protector avoids the problem entirely.

A breathable, non-waterproof protector in quilted cotton, since nothing is blocking airflow. If you need waterproofing, look for a breathable membrane design, such as our TripleShield Tencel Cool Mattress Protector, which uses breathable TENCEL™ fibres for a cooler feel.

Not any more. Older designs relied on solid plastic backings that blocked everything, but modern waterproof protectors can use breathable membranes that stop liquid while letting air and vapour pass. Construction matters far more than whether the protector is waterproof.

Enough for your mattress plus any topper, so measure before buying. Ours fit mattresses up to 40cm deep in every size, which covers our whole range including the 34cm Hybrid® Ultra, and bound edges keep them from shifting overnight.

Every one to two months. A protector loaded with body oils breathes noticeably less well, so washing keeps it working as well as keeps it hygienic. Avoid heavy fabric softener, and replace the protector every year or two.

Published July 5, 2026

Updated on July 26, 2026

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