Accidental damage cover
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.
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Ageas Home insurance is one of the most comprehensive levels of cover available.
Need to change something on your policy?
Did you know, you can add our optional extra’s part way through your policy term? So you can add more protection if you decide you want more peace of mind throughout the year - simply log into your online account.
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Get the right cover for you
If you want your home insurance to go even further, you can choose to add optional cover to your policy
OUR POLICY BOOKLET
Read our policy documents for full details of what is and isn’t covered in your insurance policy.
You can also check your Statement of Fact to review your cover, policy limits and excesses in more detail. You’ll find this in your online account or your policy confirmation email.