Accidental damage cover

Protecting you against the cost of repairing or replacing items damaged by mistake

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Contents insurance

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. 

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.

Find out more about what's covered and whether you need to add accidental damage cover.

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.

Is accidental damage automatically part of my insurance policy?

The level of cover that you have will depend on the details you specify about your property and its contents, full details of this are available in the policy booklets accessible online. Cover for accidental damage is available as an additional cover option in most cases. 

What does “Basic Accidental Damage” cover?

Basic Accidental Damage cover is optional with your contents insurance and covers audio & visual equipment, mirrors, windows and ceramic hobs.

Basic Accidental Damage cover is optional with your buildings insurance covers windows, double glazing, ceramic hobs and underground pipes and services.

What does “Full Accidental Damage” cover?

Full Accidental Damage cover for contents covers audio and visual equipment, mirrors, windows, sanitary fixtures and fittings, ceramic hobs as well as spillages on rugs and damage to furniture.
Please be aware that damage caused by animals is not covered.
Full Accidental Damage cover for buildings covers windows, double glazing, sanitary fixtures and fittings, ceramic hobs, underground services, spillages on fitted carpets and DIY disasters such as drilling a hole through a pipe. 

How do I make sure my electronic gadgets (e.g. laptops / tablets / mobiles) are covered for accidental damage?

To cover your electronic gadgets (i.e. Items which contain a processor and are designed to be portable such as mobile phones, smart watches, laptops, tablets, digital cameras, camcorders, gaming devices) you need to specify them on your policy – you’ll see how to do this when you get a quote).

Add Accidental Damage cover to your home insurance policy

Get a quote!

 

Accidental damage cover

Feature Policy type Basic Full
Cost per month Both Varies Varies
Access to a free 24/7 helpline Both Yes Yes
Sanitary ware Buildings 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
DIY disasters Both No Yes

Please note, 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?

Download the cover options booklet

 

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