Accidental Damage Insurance

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What is accidental damage insurance?

As careful as you might be at home, accidents can and do happen. We’ve all felt that moment of panic when we’ve knocked a glass of red wine all over the sofa or carpet.

Accidental damage is a type of damage that is a result of an unexpected and non-deliberate action which damages your home or its contents. For example, a computer that just suddenly bites the dust while you are using it won’t be covered, but if the kids accidentally knock over the computer and it smashes on the floor, this will be covered.


What does accidental damage insurance include?

Your accidental damage insurance policy should pay out for items that break due to an accident or spillage. Let’s face it, children are especially accident prone, so this type of damage is typically covered too.

Accidental damage contents insurance covers items found around the home such as:

  • TVs
  • Computer equipment
  • Carpets
  • Furniture

An accidental damage buildings insurance policy provides cover for:

  • Cables
  • Kitchen worktops
  • Windows
  • Bathroom suites

If you’re planning some DIY around the house, you should check whether you are covered for any mishaps – you might need to use your home buildings insurance and contents insurance policies if you accidentally hammer a nail through a pipe, or drop that new TV as you hang it on the wall.


What’s not covered by accidental damage insurance?

Damage caused by children is covered – whether those little ones are your own or they are  visiting. However, damage by pets is not – so unfortunately puppies chewing on your furniture and kittens shredding your sofas and curtains can not be covered.

Other exemptions from accidental damage insurance include:

  • Deliberate damage
  • Product failure
  • General wear and tear
  • Damage to clothing
  • Insect infestation
  • Vermin (may exclude squirrels)