Accidental damage cover - home insurance

Buildings and contents insurance includes some accidental damage cover as standard but for complete peace of mind consider our extended accidental damage add on. See our home insurance page for further information.

What is accidental damage cover?

Accidental damage is caused suddenly and unexpectedly by an outside force rather than daily wear and tear or anything deliberate. You can add this cover to your contents insurance or to your buildings insurance depending on your needs.

Adding accidental damage cover

If you are an existing customer, add this cover through your online account or by calling us.

If you are getting a quote for home insurance you can add accidental damage cover during the process.

Get a quote 03457 46 46 46

Buildings insurance add on

What's covered

The accidental damage and breakage of items that are fixed to and form part of the building such as:

  • windows
  • doors
  • bathroom fittings
  • kitchen fittings
  • walls and ceilings
  • solar panels

What's not covered

  • damage caused by wear and tear
  • damage that happens whilst your home is left empty for more than 60 days in a row
  • damage that happens whilst your home has tenants or paying guests
  • chewing, scratching or tearing damage caused by a pet
  • mechanical or electrical failure or breakdown
  • faulty or substandard work on the building

Contents insurance add on

What's covered

Accidents such as:

  • TV being knocked over
  • laptop dropped
  • paint spillages on carpet
  • furniture which is damaged if moving to decorate
  • ornaments that are broken

What's not covered

  • damage caused by wear and tear
  • damage that happens whilst your home is left empty for more than 60 days in a row
  • damage that happens whilst your home has tenants or paying guests
  • chewing, scratching or tearing damage caused by a pet
  • mechanical or electrical failure or breakdown
  • if an item has been repaired and loses value as a result

You can find further information in your home policy documents under the section 'Accidental damage'.

Calls are charged at local rates from landline and mobiles. If your phone has inclusive minutes these calls are normally included.