Accidental Damage is an extra level of home insurance cover and separate from damage included on your main policy. Your policy will already cover you for damage caused by a storm, fire, flood or theft and attempted theft.
Accidental damage is sudden, unexpected harm done to your building or contents unintentionally. It is damage done by you or someone in your house. This could be accidentally drilling through a pipe when doing DIY, for instance. Or, in the case of contents insurance, it could be knocking a glass of red wine onto a carpet.
You’ll need to purchase Accidental Damage cover at the same time you buy your policy – it can’t be added on later. Only you can decide if you want or need Accidental Damage cover. Accidental Damage comes as standard with our Gold product.
Please remember to consider your compulsory and voluntary policy excess before you make any Accidental Damage claim because often the claim damage is less than the excess amount.