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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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How Bed Sheets, Pillowcases, and Duvet Covers Work Together to Regulate Sleep Temperature

Most people think about temperature regulation as a mattress problem. If you overheat at night, you need a cooler mattress. That's true, but it's only one layer in a system that includes the sheet beneath you, the pillow under your head, the duvet cover above you, and the protector between you and the mattress. Each of these layers either helps heat escape or traps it against your body, and if even one of them is working against you, the others can't fully compensate.

Thinking about bedding as a system rather than a collection of individual purchases is the difference between a bed that manages your temperature all night and one that only manages it some of the time.

How Does Heat Move Through Your Bed?

Your body generates heat continuously during sleep. This heat radiates outward from your skin in all directions, upward into the duvet, downward into the mattress, and sideways into the air around you. For sleep to initiate and for deep sleep to occur, your core temperature needs to drop, which means the heat your body produces needs to go somewhere rather than accumulating against your skin.

Each layer of bedding is either a conductor (it moves heat away) or an insulator (it traps heat close). The goal is to strike a balance where you're warm enough to feel comfortable but cool enough for your body's thermoregulation to function normally.

The Fitted Sheet: Your Primary Contact Layer

The fitted sheet sits directly against your skin for most of the night. Its fabric, weave, and any surface treatment determine how quickly heat and moisture transfer away from your body.

Cotton and linen are two of the best base materials for a fitted sheet, as they both absorb moisture and allow air to pass through the fibre structure. A percale weave sheet in particular is your best option, as the weave enhances breathability and gives you that crisp, hotel-like feeling during sleep.

The Pillowcase: Managing Head Temperature

Your head dissipates a disproportionate amount of body heat. A pillowcase that traps heat creates a warm zone around your face and scalp, which raises your perceived body temperature even if the rest of the bed is cool. This is why flipping the pillow to the "cool side" provides instant relief: it's not that the other side is actually cold, it's that it hasn't yet absorbed your heat.

It’s also worth noting that the pillow you sleep on plays a role here too. If you’re a hot sleeper, a pillow built with cooling tech can do wonders for keeping things cool on warm nights. At Simba, their Hybrid pillow is built with Cooling Stratos® technology, so you don’t need to be constantly flipping your pillow to feel cool.

The Duvet Cover: The Insulation Layer

The duvet cover sits above you and determines how much of your body heat is retained versus released. Its role in the system is insulation, and the balance depends on the season.

In summer, a lightweight cotton duvet cover in a percale weave allows excess heat to escape upward. In winter, a denser weave retains more warmth. The duvet inside the cover determines the overall tog rating (an adjustable hybrid duvet is great here) but the cover's fabric still affects how that warmth feels against your skin. A polyester duvet cover, regardless of the duvet inside it, will trap moisture and feel clammy in ways that cotton won't.

The Mattress Protector

The protector sits between the fitted sheet and the mattress surface, and it's the layer most people forget about when diagnosing temperature problems. A cheap, non-breathable protector acts as a plastic barrier that prevents heat and moisture from passing into the mattress, reflecting it back toward your body instead.

A breathable protector allows water vapour to pass through while blocking liquid, which means the mattress beneath can still participate in temperature regulation. Simba's Quilted Performance Mattress Protector is made from breathable cotton and designed to complement the Simbatex® foam and Aerocoil® spring ventilation in the Hybrid® mattress range.

FAQs

Yes. If your mattress is designed for cooling but your sheets are polyester, the sheets create a heat barrier that prevents the mattress from functioning as intended. Consistent materials across all layers produce the best results.

Both matter, but they do different jobs. Tog determines how much heat the duvet retains. The cover material determines how that retained heat feels against your skin. A 4.5 tog duvet in a polyester cover can feel warmer and clammier than a 7 tog duvet in breathable cotton.

In many cases, one of the best things you can do if you’re a hot sleeper is replace a cheap or heat-trapping fitted sheet with one that has cool-tech properties.

Published May 24, 2026

Updated on June 4, 2026

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