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Accidental damage cover
Protecting you against the cost of repairing or replacing items damaged by mistake
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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?
How do I make sure my electronic gadgets (e.g. laptops / tablets / mobiles) are covered for accidental damage?
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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