Accidental damage cover

What is Accidental Damage cover for Contents insurance?

Accidental Damage is optional cover if you’re choosing Contents insurance. It provides extra protection for your possessions inside your home, giving you more peace of mind.

Accidental damage is something that is often claimed for, but sometimes customers haven’t included the optional cover, so the claim can’t be paid. It provides additional cover for damage not otherwise included in your home insurance policy.

What’s covered:

• Knocking over a TV
• Dropping a laptop
• Spilling a drink on a carpet
  
  

What’s not covered:

• Wear and tear, which we class as damage or deterioration caused by general everyday use
• Gradual damage and rot
• Mechanical fault or breakdown
• Damage caused by pets and vermin
• Rain or water damage as a result of poor workmanship, bad design or wear and tear

What is Accidental Damage cover for Buildings insurance?

Accidental Damage is optional cover if you’re choosing Buildings insurance. It provides extra protection for damage caused to your home's permanent fixtures and fittings, which could be costly, giving you more peace of mind.

Accidental damage is something that is often claimed for, but sometimes customers haven’t included the optional cover, so the claim can’t be paid. It provides additional cover for damage not otherwise included in your home insurance policy.

What’s covered:

• Breaking a window or fixed glass hob
• Putting a nail through a pipe
• Damaging a kitchen work surface with a hot pan
• Cracking a sink
• Putting a foot through the ceiling when in the loft

What’s not covered:

• Wear and tear, which we class as damage or deterioration caused by general everyday use of an item
• Gradual damage
• Mechanical fault
• Damage caused by pets and vermin
  
  

What is Accidental Damage cover for Buildings & Contents insurance?

Accidental Damage is optional cover if you’re choosing Buildings & Contents insurance, as it provides extra protection for your possessions as well as damage caused to your home's permanent fixtures and fittings, which could be costly, giving you more peace of mind.

Accidental damage is something that is often claimed for, but sometimes customers haven’t included the optional cover, so the claim can’t be paid. It provides additional cover for damage not otherwise included in your home insurance policy.

What’s covered

• Putting a nail through a pipe
• Cracking a sink
• Dropping a laptop
• Spilling a drink on the carpet

What’s not covered

• Wear and tear, which we class as damage or deterioration caused by general everyday use of an item
• Gradual damage
• Mechanical fault
• Damage caused by pets and vermin
  
  

For full terms and exclusions of our accidental damage cover, please read our policy booklet.