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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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What Is a Duvet Cover, And Do You Actually Need One?

There's a decent chance you've been using a duvet cover your entire life without ever questioning whether it's doing anything useful. It's also possible you've been sleeping without one, either by choice or because nobody told you there was supposed to be something between you and the duvet. Neither approach is wrong, exactly, but one of them is doing significantly more work for your sleep hygiene, the longevity of your duvet, and your night-to-night comfort than the other.

A duvet cover is, at its simplest, a protective shell that goes over your duvet. Think of it as a pillowcase for your entire bed covering. But dismissing it as just a cover would be a mistake, because the material, weave, and technology built into a good duvet cover can genuinely affect how well you sleep.

How Does a Duvet Cover Actually Work?

A duvet cover is a two-sided fabric envelope, usually fastened with buttons, poppers, or a zip, that encases your duvet completely. You slide the duvet inside, close the opening, and the cover sits between your body and the duvet itself.

The primary function is protection. Your duvet absorbs sweat, body oils, dead skin cells, and dust throughout the night. Without a cover, all of that goes directly into the duvet's filling, where it's difficult to wash out and creates an environment that dust mites thrive in. A study published in the Journal of Allergy and Clinical Immunology even found that mattress and bedding encasements significantly reduced house dust mite allergen concentrations, with the implication being clear: a removable, washable layer between you and your bedding makes a measurable difference to the hygiene of your sleep environment.

With a cover, you can strip it off and wash it at 40°C every week or two, keeping the sleeping surface clean without needing to wrestle an entire duvet into a washing machine. Most quality duvets are machine washable, but doing so frequently can wear down the filling and is a logistical headache without a large-capacity machine.

Do You Actually Need A Duvet Cover?

Generally yes, you need one. The question isn't really whether a duvet cover is necessary; it's whether you can justify not using one.
Without a cover, your duvet is exposed to everything your body produces during sleep. The average adult loses around 200ml of moisture per night through sweat and respiration, and a significant proportion of that ends up in the bedding closest to your skin. Over weeks and months, an unprotected duvet accumulates moisture, body oils, and skin cells that attract dust mites and bacteria. You can't see most of this, which is partly why people assume their duvet is fine without a cover.

A duvet cover also extends the life of your duvet considerably. The filling, whether synthetic or natural, degrades faster when exposed to repeated contact with moisture and friction. A cover takes the brunt of that wear, and because it's designed to be washed frequently, it handles the cycle far better than a duvet would.

And then there's the practical side. A duvet cover is dramatically easier to change than replacing or deep-cleaning a duvet. If you have children, pets, or a tendency to eat biscuits in bed, a removable cover is the difference between a five-minute fix and a cleaning project.

What Should You Look for in a Duvet Cover?

The fabric is the most important factor, and cotton is the strongest all-rounder. It's breathable, soft, durable, and it washes well. Synthetic covers, particularly polyester, tend to trap heat and moisture against the skin, which is the opposite of what you want from something you're sleeping under every night.

Thread count matters, but not as much as marketing departments would have you believe. A 200 thread count cotton cover is perfectly good for everyday use: it feels crisp, breathes well, and dries quickly. A 400 thread count has a denser weave with a softer, more luxurious feel, but it won't necessarily keep you cooler or last longer.

What makes a bigger difference to temperature regulation is whether the fabric is treated with any cooling technology. Our Performance Bed Linen includes Stratos® cool-touch technology woven into the fabric, which is designed to draw heat away from your body and offer instant freshness that lasts through the night. If you sleep warm, or you share a bed with someone who does, this is the kind of detail that separates a functional duvet cover from one that actively improves your sleep.

Fit also matters. A cover that's too large for your duvet will bunch and shift during the night. One that's too tight will compress the filling and reduce its insulating properties. Match the cover size to your duvet size exactly.

How Often Should You Wash Your Duvet Cover?

Every one to two weeks is the general recommendation, and once a week is better if you sleep warm, share a bed, or let pets onto the bed. This might sound like a lot, but it's one of the simplest things you can do to maintain a clean, hygienic sleep environment.

Wash at 40°C with a mild detergent. Higher temperatures aren't necessary for most cotton covers and can cause shrinking or colour fading. Tumble drying on a low heat is fine; line drying keeps the fabric in slightly better condition long term.

If you're buying a cover specifically because you want to wash it less frequently, that's the wrong approach. The point of a duvet cover is that it's the washable layer. Investing in two sets and rotating them is more practical than trying to stretch a single set beyond its hygiene window.

FAQs

You can, but it's not recommended. Your duvet will absorb sweat, oils, and skin cells much faster, creating a breeding ground for dust mites. It will also need replacing sooner due to the buildup of moisture in the filling.

A duvet is a filled insert designed to be used with a removable cover. A comforter is a one-piece bedding item with no separate cover, which means the entire thing needs to be washed when it gets dirty. Duvets with covers are more practical for regular cleaning.

Slightly. Higher thread counts produce a denser, smoother fabric, but they can also reduce airflow. For temperature regulation, the fabric type and any cooling treatments matter more than thread count alone.

A flat sheet between you and the duvet offers some of the hygiene benefits but doesn't protect the duvet fully, since it shifts around during the night. A fitted cover encasing the entire duvet is more effective.

Two to three sets is ideal. It means you always have a clean one ready while the other is being washed, and it extends the life of each set by reducing how many wash cycles each one goes through.

Published March 12, 2026

Updated on May 29, 2026

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