IMPORTANT Accidental Damage to Buildings or Contents
For an Accidental Damage claim to be considered, the incident needs to meet the following definition:
A sudden, unexpected and unforeseen event that causes visible damage. Cover is only provided where You or Your guests cause the damage, unless We explicitly state otherwise.
We have two levels of Accidental Damage cover - Basic and Full. You may want to check your policy schedule to see what level of cover you have.
What's covered - Buildings
Basic cover provides up to £1,500 per claim for windows, solar panels, bathroom fixtures (e.g. toilet, sink etc.), ceramic hobs and underground service pipes or cables. Full cover is extended to the rest of your property and outbuildings and covers you up to the sum insured.
What's covered - Contents
Basic cover provides up to £500 per claim for TVs and desktop computers. Full cover is extended to the rest of your household items (excluding specified items such as mobile phones, laptops, electronic gadgets and high risk items, all of which need to be covered separately) and provides up to the amount you insured your contents for on a per claim basis.
What's not covered - Buildings or Contents:
- Infestation, corrosion, damp, wet or dry rot, mould or frost
- Damage caused by Pets
- Damage caused by overflowing water (e.g. taps left on)
- Damage due to faulty design or workmanship
- Damage not caused by you or your guests
- Damage caused by mechanical failure
- Pure cosmetic damage
- Damage caused gradually by wear and tear
- Clearing blocked drains, unless the pipe or drain itself are physically broken
- Any amount above £750 per claim for damage to carpets
Check your policy document for any endorsements which could exclude Accidental Damage cover.