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.
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.
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.
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.
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.
Basic Accidental Damage cover is optional with your contents insurance and covers TVs and desktop computers, up to £500 per claim.
Basic Accidental Damage cover is optional with your buildings insurance covers windows, double glazing, ceramic hobs and underground pipes and services, up to £1,500 per claim.
| 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.
Download the cover options booklet