Is accidental damage covered under my contents insurance?
Accidental damage cover for contents isn't automatically included in standard Home Insurance but can be added as an optional extra. This gives you extra protection against sudden, unexpected, and visible damage which has not been caused on purpose.
How Can I Add Accidental Damage Cover to My Contents Insurance?
You can include accidental damage cover for contents at these times:
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When buying your policy – Add it during your initial setup.
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At renewal – Choose to include it when your policy is due for renewal.
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Within the cooling-off period – You have 14 days from your policy start date to make changes.
This cover comes with an extra premium and isn’t available for landlord insurance.
What Does Accidental Damage Cover for Contents Include?
This optional cover protects against damage caused by accidents like:
- Knocking over and breaking a TV.
- Spilling paint on a sofa.
It does not cover:
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Personal possessions, valuables, or money – unless separately covered under All Risks.
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Damage occurring while the home is unoccupied for more than 45 consecutive days.
How Can I Check If I Have Accidental Damage Cover for Contents?
To see if this cover is included, check your insurance schedule. If it’s listed, it’s part of your policy. For full details, including limits and exclusions, review your policy pack from when you took out or renewed your insurance.
Is Accidental Damage Cover Right for You?
Adding accidental damage cover means extra protection for your home and belongings. Check your policy documents to see if it suits your needs. If you’d like to add it, contact us or visit our Home Insurance page.