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accidental damage

Accidental damage home insurance cover

Accidental damage home insurance cover is designed to insure and replace your possessions against accidental damage caused by unintended mishaps, such as spillages and breakages in the home.

Find out about additional accidental damage cover and what household items it typically covers and excludes.

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Usually sold as an optional extra on standard home insurance policies, accidental damage normally refers to a one-off incident that harms either your property or its contents – general wear and tear isn’t covered.

Read on to see which types of accidents are covered and which aren’t.

Accidental damage – what’s covered and excluded?

If you’ve accidentally dropped and broken your stereo or desktop computer, this would normally be covered – you wouldn’t be able to claim if it simply stopped working.

While windows and other broken electrical items tend to be covered automatically by home contents insurance, your policy can be extended to include things like wine spillages on curtains and sofas, or felt-tip marks on walls.

According to Zurich Insurance, bad DIY work is one of the biggest causes of accidental damage. Common mistakes, such as hammering a nail into a water pipe, are covered – skilled work that should be done by a fully-trained plumber or electrician isn’t.

Portable items like laptops are often not included – check with your insurer if you’re unsure.

damaged ipad

Additional contents cover

If you regularly take valuable items out of the house, you may want to consider a policy where optional ‘away from home’ cover can be added.

Some policies include this as a standard feature for particular items – check the small print when comparing quotes for contents insurance.

There are also different types of contents cover. With ‘new-for-old’ cover, the insurer pays the full cost of repairing or replacing the broken item.

While it can be cheaper, indemnity cover only looks at the item’s used value, making deductions for wear and tear before paying out.

Read more…

Home insurance special offer

Get £20 cashback* on your home insurance when you buy through uSwitch today (terms and conditions apply)

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*Offer valid for home insurance quotes generated via uSwitch.com between 14 April and 3 June 2018. Cashback of £20 payable by cheque to the first named policyholder after the policy has been active for 90 days. Minimum premium of £125 per annum required. Autonet reserves the right to deduct the full amount of cashback from any refunds due on policies cancelled within 12 months of inception. This offer may be withdrawn at any time and cannot be used in conjunction with any other offer. This offer is valid for new customers only. The home insurance comparison service is provided by Autonet Insurance Services Ltd, registered in England No. 3642372. Autonet Insurance Services Ltd has its registered office at Nile Street, Burslem, Stoke-on-Trent ST6 2BA United Kingdom. AutoNet Insurance Services Ltd is authorised and regulated by the Financial Conduct Authority (FCA) (Registration number: 308213). uSwitch.com's relationships with these companies are limited to that of a business partnership, no common ownership or control rights exist between us. Please note, we cannot be held responsible for the content of external websites and by using the links stated to access these separate websites you will be subject to the terms of use applying to those sites. By using this system you are also agreeing to our Terms and Conditions and Privacy Policy.