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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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Cot vs Cot Bed: What's the Difference and Which Does Your Baby Need?

This article offers general information and isn't a substitute for professional advice. Always follow current NHS and Lullaby Trust safer-sleep guidance, and speak to your health visitor or GP with any questions about your baby's sleep.

When it comes to cots vs. cot beds, the practical difference is about two years and twenty centimetres. A cot takes your baby to roughly two; a cot bed converts into a small toddler bed and takes them to roughly up to the age of 2-3.

At Simba, we make the mattresses rather than the cot frames, so we've no stake in which piece of furniture you choose. Which suits you comes down to your floor space, your budget and how many pieces of furniture you're willing to buy. Neither is safer than the other, because the safety lives in the mattress and how you set the sleep space up, rather than in the frame.

Option 1: The Cot

A standard cot is a compact four-sided sleeping space, designed for newborn through to around two years depending on your child's size and how early they start climbing. UK cots typically take a mattress around 120cm by 60cm, though this varies by manufacturer often enough that you should measure rather than assume.

Its advantages are size and price. A cot fits beside your bed more easily for the first six months, which matters because guidance is for your baby to sleep in your room during that time. It costs less. In a small bedroom it may be the only thing that fits. The limitation is simply that its working life ends at two, and then you're buying a toddler or single bed.

Option 2: The Cot Bed

A cot bed is longer and wider, commonly taking a mattress around 140cm by 70cm, and it converts. Remove one or both sides, sometimes lower the base, and it becomes a small toddler bed. One purchase covers the cot years and the toddler years.

The trade-offs are cost and footprint. It's more expensive up front and takes up noticeably more floor area, which is worth measuring properly if the cot is going in your room for six months. Check what the conversion actually involves too, because models vary: some convert to a toddler bed only, some go further, and some need a conversion kit sold separately that you'd rather find out about now than in two years.

How to Choose Between Them

Small room, tight budget, cot beside your bed for six months: buy a cot. It does the job it's designed for perfectly well, and you accept that you'll buy a bed at two.

More floor space, and you'd rather buy once: buy a cot bed. It covers several years, and for a lot of children the conversion is an easier transition than moving into unfamiliar furniture, because the bed is the same object they've always slept in with the side taken off. If your budget stretches and the room takes it, that continuity is worth something at an age when change is not usually welcomed.

The Mattress Matters More Than the Frame

Whichever you buy, this is where we'd tell you to concentrate. Cots and cot beds take different mattress sizes, so buy the mattress for the specific frame and measure the internal dimensions first. Then apply the two-finger rule: you shouldn't be able to fit more than about two fingers between the mattress and any side, because wider gaps are a space a baby can get wedged in.

Sizing has a practical consequence worth knowing before you pick the frame. Our Hybrid® Cot Bed Mattress is made in cot bed size, 70cm by 140cm and 10cm deep, so it fits a cot bed rather than a smaller standard cot. Choose a cot instead and you'll need a mattress in your cot's size, usually nearer 120cm by 60cm.

The safety requirements are identical for both. Firm, flat, snug, in good condition, with an intact waterproof cover. A cot bed adds one consideration, which is that the mattress has to stay firm and supportive for four or five years rather than two, so check it periodically and replace it if it sags, develops permanent dips, or picks up staining that won't clean away. In our experience it's easy to keep using a mattress well past its point simply because the frame around it still looks fine.

Safety Doesn't Change, But the Room Does

The safer-sleep rules are the same in both. Baby on their back, firm flat mattress, fitted sheet, nothing else in the sleep space. No pillows, duvets, bumpers, positioners or soft toys for young babies, and no pillows or duvets under twelve months at all.

What changes is the moment a cot bed converts. Your child can now get out on their own, in the dark, without telling you. That shifts the safety question from the cot to the whole room: furniture secured to walls, blind cords out of reach, a stairgate if the layout needs one, and nothing climbable near a window. Time the conversion by behaviour rather than birthday. If they're trying to climb out, the sides have stopped being a safety feature and started being a hazard.

When They Outgrow Either One

Both routes end at a proper bed, but we build for both stages. Our double-sided cot bed mattress covers your little one from birth up to age 3 in one purchase: a firm side that keeps babies flat and straight up to twelve months, then you flip it at a year to a softer toddler side with Aerocoil® microsprings, plus firmer springs around the edges for stability once they start standing up and treating the cot as a trampoline. It's certified to BS EN 16890, has a water-resistant inner lining and a removable machine-washable cover, and carries a two-year guarantee.

After age 3, our Hybrid® Kids Mattress takes over: it’s a UK single size at 16cm deep, a depth chosen so raised and bunk beds keep their guard rail sitting high enough above the mattress to work properly.

FAQs

If you have the floor space, usually yes, because one purchase covers the cot and toddler stages and the conversion is often an easier transition for a child than new furniture. A standard cot makes more sense in small rooms and on tighter budgets.

No, they take different sizes. Buy the mattress for the frame you actually own, measure the internal dimensions, and check you can't fit more than about two fingers between the mattress and the sides once it's in.

Judge it on behaviour rather than age, though it's commonly somewhere around two to three. If your child is attempting to climb out, the sides have become a hazard rather than a safeguard, and it's time to convert and make the whole room safe.

Yes. Our Hybrid® Cot Bed Mattress is double-sided and covers birth to three, with a firm side for babies up to twelve months and a softer toddler side you flip to at a year. It's 70cm by 140cm and 10cm deep, so it's sized for a cot bed rather than a smaller standard cot.

Published July 6, 2026

Updated on July 26, 2026

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