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Accidental Damage Cover

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Accidental Damage Cover

Accidental damage cover is an optional extra with home insurance. This doesn't increase the price a great deal but can be very valuable cover if you need to claim.

Accidental damage covers you against damage caused by you or others that is deemed to be an accident.

For example, if you dropped and broke something, knocked something off the shelf, spilt paint on the carpet, put a nail through a pipe, or damaged to your ceiling.

Accidental damage cover is very similar across all home insurance policies. 'An unintentional one-off incident that harms your property or its contents'.

There are some things that your accidental damage will not cover but these are few and far between.

General wear and tear is therefore not covered under the accidental damage cover option. You also won't be covered for items that break down. However, if the same item were damaged because you dropped it, you would almost certainly have a claim.

Many contents insurance providers will not cover for damage caused by animals/pets. They may also not cover your contents for damage caused by insects, vermin or infestation.

Buildings Insurance Accidental Damage Cover Example

  • Hammering through the floorboards, into a water or gas pipe
  • Putting your foot through the ceiling when you're in the loft

Contents Insurance Accidental Damage Cover Example

  • Spilling wine or paint on the carpet or furniture
  • Someone in your family knocking the Television over

Home Insurance Accidental Damage General Exclusions Example

  • Damage caused by your pets
  • Bad workmanship (the electrician makes a mistake wiring up a new socket
  • Damage caused by lodgers, or paying guests

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