What is considered accidental damage?
Accidental damage is meant to protect a person’s insured assets against damage caused by unintentional and unpredictable mistakes, such as spilling coffee on the carpet. It is typically made available as an additional cover option that can be added onto a home insurance policy.
We’ll help if you have an accident at home
As you would expect, accidental damage cover is designed for those unexpected mishaps that can affect your building or contents. HomeProtect offer two levels of accidental damage home insurance for buildings-only, contents-only, and combined buildings and contents policies:
Basic accidental damage protects you from small misfortunes such as repairing sanitary ware, underground water supply, fixed glassware and some home electricals. Most HomeProtect contents insurance policies include basic accidental damage cover as standard.
Full accidental damage is a more comprehensive option that covers you for incidents like spilling wine on the carpet, or DIY disasters like drilling through a water pipe.
It's a good idea to check that the single item limit on your policy is high enough to cover the replacement cost of your valuable items. A large number of claims are for laptops that children have spilt drinks on, or iPads that smashed when accidentally knocked off a table, so accidental damage insurance can be particularly helpful.
Frequently asked questions
Am I covered if I accidentally damage one of my possessions away from my home?
Yes, so long as you have specified it on your policy and requested away from home cover, or you have upgraded your policy to include personal possessions cover away from the property.
What if I accidentally damage something in someone else’s house?
You’re covered if the item damaged belongs to you, so long as you have specified it on your policy and requested away from home cover, or you have upgraded your policy to include personal possessions cover away from the property. If the item does not belong to you, it is not covered by your HomeProtect home insurance policy.
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Accidental damage cover
|Cost per month||Both||Included within your home insurance premium*||Varies|
|Access to a free 24/7 helpline||Both||Yes||Yes|
|Fixed glass and double glazing||Buildings||Yes||Yes|
|Underground water supply, sewers||Buildings||Yes||Yes|
|Gas pipes and cables||Buildings||Yes||Yes|
|Televisions, radios, DVD players||Contents||Yes||Yes|
|Spillages on carpets||Buildings||No||Yes|
|Damage to furniture items||Contents||No||Yes|
*Accidental damage cover is not generally available for let or sub-let properties, and is not available for contents on a landlord policy.
Delve into the detail
- What’s covered, what’s not.
- How to purchase.
- How to claim.
- What excesses will I have to pay?