Skip to content
This is an alert banner to test This is an alert banner to test
Primary Secondary
Intelligent Insurance
  • Manage my policy
  • Retrieve Quote
  • Help Centre
  • Contact us
  • Your Property
    • Property Type
      • Non standard home insurance
      • Listed building insurance
      • Barn conversion insurance
      • Old house insurance
      • Large house insurance
      • Timber framed house insurance
      • Steel framed house insurance
      • Flat roof insurance
    • Property Condition
      • Subsidence home insurance
      • Underpinned house insurance
      • House renovation insurance
      • Home insurance flood risk
    • Property Usage
      • Second home insurance
      • Airbnb home insurance
      • Holiday home insurance
      • Home business insurance
      • Probate home insurance
      • Let property insurance
      • Unoccupied home insurance
      • Bed and Breakfast insurance
      • Shared house contents insurance
  • Your Circumstances
    • Refused home insurance
    • Home insurance with criminal convictions
    • Home insurance with bankruptcy
    • Bad credit home insurance
    • Home insurance with claims history
    • High risk occupation home insurance
  • Our Cover
    • Specialist home insurance cover
    • Buildings and Contents insurance
    • Buildings insurance
    • Contents insurance
    • Accidental damage insurance
    • Personal belongings insurance
    • High risk property and specified contents
    • Bicycle cover
    • Family legal protection
    • Home emergency insurance
  • Sign in
  • Get a Quote
  • Popular
  • Buildings Cover
    • Solar Panels
    • Building Cover
    • General
    • Outbuildings
    • Accidental Buildings Damage Insurance
  • Home insurance
  • Contents Cover
  • Additional products
Help Centre / Policy Cover

Accidental Buildings Damage Insurance topics

Accidental Buildings Damage Insurance
  • Popular
  • Buildings Cover
    • Solar Panels
    • Building Cover
    • General
    • Outbuildings
    • Accidental Buildings Damage Insurance
  • Home insurance
  • Contents Cover
  • Additional products
Is accidental damage cover included on my policy?
No. It isn’t standard, but you can bolt it on to protect against accidental damage you or your family cause. What can it cover? Buildings: the fabric of your home. Contents: everything inside. You can choose to add it to either, or both. Adding Accidental Damage Cover to Your Policy: Simply click Manage My Policy. Enter your details and follow the steps. Alternatively, you can do so via live chat. Note: Do have your policy number to hand.
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. Summary 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.

Home Insurance Specialists names you can trust

We work with experienced and established insurers to give you peace of mind that your home is protected

Allianz Insurer
Intelligent Insurance | Panel Member | Arkel
Intelligent Insurance | Non-Standard Home Insurance
Intelligent Insurance | Prestige Underwriting Services Panel Member
Intelligent Insurance | Panel Member | AXA
Intelligent Insurance | Panel Member | Pen Underwriting

Intelligent Advisory Services Limited is registered in England and Wales (Reg. No. 07839423).

Address: 4 Lakeside, Headlands Business Park, Salisbury Road, Ringwood, BH24 3PB

Website by Rareloop
Insurance
  • Specialist home insurance cover
  • Get a Quote
  • Articles & Guides
  • Refer a Friend
Intelligent Insurance
  • About us
  • Careers
  • Write a Review
Manage Your Cover
  • My Account
  • Manage My Renewal
  • Amend my policy
  • Cancel Policy
  • Policy Documents
Support
  • Contact us
  • Help Centre
  • Raise a complaint
  • Make a claim
  • Site Map
Legal
  • Privacy Policy
  • Cookie Policy
  • Terms & Conditions
Intelligent Insurance and Intelligent Insurance Complete Home are trading names of Intelligent Advisory Services Ltd and is authorised and regulated by the Financial Conduct Authority (FCA) under firm reference number 624474. You may check this on the Financial Services Register by visiting the FCA's website or by contacting the FCA on 0800 111 6768. This website is intended for customers based in the UK and is therefore subject to the UK regulatory regime(s)