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Many Brits add accidental damage cover to their contents or building insurance policies to limit the hassle caused by accidents. It is an optional extra that provides more comprehensive insurance and peace of mind, but it comes with an increased cost.
Accidental damage cover can be added to either contents insurance, building insurance, or both. However, the details of the policy and what is included should be carefully examined. For example, damage from animals is usually not covered, and portable electronics and clothes are often excluded from contents insurance accidental damage policies.
Accidental damage cover typically allows you to claim for damage to your house or garden as part of your building insurance, or items inside your house or garden as part of your contents insurance.
When making a claim, it is important to provide details of the accident and any evidence such as photos or receipts for lost items. Policy details may vary between providers, so it is recommended to contact your insurer for the most up-to-date information.