What is accidental damage?
- Accidental Damage caused by a member of your family, living at the insured address
- Available on Contents and/or Buildings for an additional premium
Do I need it?
- Always a good idea for extra cover and piece of mind
- All our insurers provide limited cover as standard on both Contents & Buildings
- You decide if its worthwhile to pay the extra premium for the extra cover
What do I get for the standard option that is included automatically?
Contents:
- Audio and visual equipment
- Televisions
- Dvd players
- Home computers
- Hi-fi's
- Video recorders
- Mirrors
- Glass tops in furniture
Buildings:
- Fixed glass
- Double glazing
- Sanitary fixtures
- Ceramic hobs
- Solar panels
What do I get for the extended option?
The extended option gives you more cover and protection. For instance, if you spill wine on your carpet or knock a vase over you will need the extended accidental damage to cover this.
The extended option on Buildings will protect you against accidents such as putting your foot through the floor when you are in the loft.
How much does the extended option cost?
The costs are not great. On average you can expect to pay in the region of £50 on top of the standard policy for contents and £25 for buildings. It is best to view the options when you buy your policy as premiums vary from one insurer to another.
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