Covers the costs to repair or replace an item that has been damaged or destroyed by an accident in your home.
Choose the following add-ons:
Accidental damage cover gives you peace of mind for those accidents that happen around the home, such as:
This option covers you for accidental damage to the structure of your home, including pipework, kitchens and bathroom fittings.
Examples include:
Includes belongings in your home that may need to be repaired or replaced if accidentally damaged.
These include:
Children will be children and accidents 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.
Great news, we cover for damage caused by pets or animals. We know pets are family and even they have accidents too.
We’ll cover the cost to repair or replace your gadgets if accidentally damaged in your home.
If you would like to be covered outside of your home, our personal possessions add-on option may be suitable for you.
See our home insurance policy wording for full exclusions.
Accidental damage cover gives reassurance if an accident happens in your home and we’ll help towards the repair and replacement of the item.
You’ll have to pay a £250 compulsory excess for a claim.
Are there any exclusions with accidental damage?
Yes, there are. For any breakages or damage, while your home is left unoccupied or unfurnished for more than 60 days in a row, you won’t be covered. Clothing, contact lenses and deterioration of food are not covered too, along with normal aging or wear of your belongings (for example fading curtains caused by the sun) or intentional damage.
See our home insurance policy wording for full exclusions.
What cover do I need if I rent?
Before you take out any cover, check with your landlord or letting agent to understand what cover is included in your agreement.
Generally for rented properties; you’ll only have to take out contents only cover. You can take the option to buy accidental damage for your contents.
Will I get brand new items?
You will get new replacement items of the same or similar make and model of the item you are claiming for.
New-for-old home contents insurance replaces an item that's been stolen or damaged and cannot be repaired, will be replaced with a new object of the same replacement value. For example, if your television is stolen we'll replace it with an equivalent new one, even if it's several years old. Terms and conditions apply, see our home insurance policy wording for full exclusions.
