Accidental damage insurance
What is accidental damage home insurance?
Accidental damage home insurance covers you for unintentional damage caused to the structure of your home, your belongings or both.
It gives you peace of mind for those accidents that happen around the home. It is often sold as an optional add-on or extra to your standard home insurance.
You can choose to cover your contents, your buildings or both.
We have the following cover options to choose from:
- Buildings accidental damage
- Contents accidental damage
Accidental damage is different to wear and tear, which is the gradual ageing of an item like fading curtains or draughty windows. Lack of maintenance and wear and tear is not included in our cover.
Intentional or deliberate damage is not covered, such as spilling paint over your carpet to get a new one.
An urgent repair to make your home safe would not be covered under accidental damage. Check your home cover because a home emergency may be included. At MORE THAN, we include up to £200 to fix and repair your home to make it safe and prevent further damage.
This covers things like:
- Slipping and breaking a shower screen
- Drilling through a pipe when doing DIY
- Putting your foot through the ceiling while in the loft
- Smashing your TV screen
- Dropping your mobile at home
- Spilling wine over your carpet
What does MORE THAN accidental damage insurance cover?
Accidental damage insurance cover
Electronic devices including mobiles
Oh no, you've dropped your mobile on the floor and its smashed the screen. Our accidental damage contents cover includes breakages in the home to mobiles, laptops and other electronic equipment
Spills on carpets, soft furnishings and furniture
Mirrors and glass
Breakages to mirrors and glass, such as a glass coffee table are covered in the home
The structure of your home including kitchen and bathroom fittings are covered by accidental damage
Windows and doors
Accidentally breaking a windowpane of glass
Damage caused by children knocking over or smashing household items, such as kicking a ball through a window or knocking over a television
Pets causing damage by chewing, tearing and scratching your furniture and soft furnishings
Gradual wear and tear
This is normal aging of your belongings, like frayed cushions or fading of curtain fabric from the sun
Claims under £250
Clothing, contact lenses and deterioration of food
Urgent home emergencies
A claim that requires urgent attention, considered to be a home emergency, such as loss of heating
Home left unoccupied
Breakage or damage while your home has been left unoccupied or unfurnished for more than 60 days in a row
How do I get accidental damage cover?
Add accidental damage cover in the optional cover section when getting a home quote.
Buildings accidental damage cover
This option covers you for accidental damage to the structure of your home, including pipework, kitchens and bathroom fittings.
- Breakage of drains and pipes and accidental damage to cables and underground tanks providing services to or from your home
- Breakage of glass, ceramic hobs or tops or bathroom fittings fixed to and forming part of your home
- Putting your foot through a ceiling or damaging a worktop
Contents accidental damage cover
Includes belongings in your home that may need to be repaired or replaced if accidentally damaged.
- Breakage of mirrors, ceramic hobs or any glass in furniture such as glass tables or cabinets
- Damage to television, satellite, video, audio and computer equipment
- Damage to all other contents, such as knocking over a vase
Will I be covered for damage caused by children?
Children will be children which means accidents can happen. So, it’s useful to have cover against damage in your home and help pay for repairs and replacements you might have to make.
Will I be covered for damage caused by pets?
Great news, we cover for damage caused by pets or animals. After all, they sometimes have accidents too.
Accidental damage for TVs, phones and laptops
We’ll cover the cost to repair or replace your gadgets if accidentally damaged in your home.
If you’d like to be covered outside of your home, our personal possessions cover option may be suitable for you.
Should I get accidental damage cover?
Accidental damage cover gives reassurance if an accident happens in your home. If you're a little clumsy, have children or pets you may want help towards the repair and replacement of the item if a mishap occurs.
A £250 fixed excess applies for a claim. So, check if you think the value of your belongings or replacing an item that is part of your home like a pane of glass from a window, is worth over this amount.