Help Centre / What is accidental damage cover?

What is accidental damage cover?

Accidental damage cover is a protective feature for your contents, specifically designed to address instances where you or your family inadvertently damage possessions. Common scenarios include accidental spills like wine on a sofa or unintentional incidents like knocking over and breaking ornaments.

Ideal for Family Homes

This coverage proves particularly beneficial in households with children, where accidental mishaps are more likely. It acts as a financial safety net, ensuring that your belongings are safeguarded even in the face of unexpected accidents within the home.

Scope and Limitations

It’s important to note that accidental damage cover has its limitations. While it covers damages caused by family members, it typically excludes damage inflicted by pets, such as biting, scratching, or chewing. Additionally, coverage may not apply during periods when the property is let, unoccupied, or unfurnished.

Business Exclusions

Goods used for business purposes are also generally excluded. It’s essential to be aware of these exclusions to understand the scope of protection provided by this type of insurance.

Tailoring Coverage to Your Needs

Homeowners can often customise their policies to include or exclude accidental damage based on their individual needs and circumstances. This flexibility allows for a tailored approach to insurance, aligning with the specific risks and lifestyle considerations of each household.


By delving into the specifics of accidental damage cover, homeowners can make informed decisions about their insurance coverage, ensuring that their belongings are adequately protected against a range of unexpected incidents.

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