Accidents happen. Whether it's dropping your phone in your sink, spilling red wine on your carpet or a football smashing your window, nobody wants to have an 'oops' moment. But if you do, Accidental Damage cover can help. We'll cover a variety of accidents that cause damage to your belongings or buildings, depending on the cover you have.
Accidental Damage cover insures your things against sudden, unintentional physical damage that happens unexpectedly. It can apply to buildings, contents or both - it depends on the cover you have in your Home Insurance policy.
If you already have accidental damage cover, you can make a claim online or talk to our claims team.
If you have Home Insurance Plus, accidental damage is already included. If you have our standard Home Insurance policy, accidental damage can be added as an optional extra, which will increase your premium.
What's included in Accidental Damage?
We cover:
Accidents to your belongings (when used with Contents insurance) caused by sudden, unintentional damage. Some examples include:
- Spilling red wine on your carpet
- Dropping your laptop down the stairs
- Dropping your phone in your sink
- Accidentally damaging your TV
Accidents to your buildings (when used with Buildings insurance) caused by sudden, unintentional damage. Some examples include:
- A football smashing your window
- Cracked bathroom sinks
- Putting a foot through the floor whilst in a loft or attic
- Leaky gas or water pipes if you bang a nail in where you shouldn't - perfect for DIY fans
We don't cover:
- Damage to bicycles
- Damage to money
- Damage caused by any paying guest or tenant
- Loss or damage when it's been more than 60 days since you last slept at your home on a regular basis
Full details of what is (and isn't) included can be found in our policy booklets.
Other types of cover
Family Legal Protection
Get cover and support for different legal concerns you may face.
Home Emergency
Get cover for home emergencies, including broken boilers and damaged door locks.