Is Accidental Damage Cover Worth It?

What Is Accidental Damage Cover?

Accidental damage cover is a choice you can add to your home insurance. It protects your personal items, fixtures, and fittings from sudden and unexpected damage. Both homeowners and renters can benefit from this cover. It provides extra protection for costly accidents that regular buildings insuranceor contents insurance may not help with.

Is accidental damage cover worth the cost in the long run?

Accidental Damage Cover is a smart choice. It helps you when accidents happen to your valuable things. This cover makes you feel safe by paying for repairs or replacements. In the long run, it can save you a lot of money.

What Does Accidental Damage Cover Include?

An accidental damage policy typically covers:

• Furniture and belongings: Damage to sofas, tables, or chairs.
• Electronic devices: A cracked TV screen, a broken laptop, or drinks spilled on devices.
• Fittings and fixtures: Damage to kitchen countertops, bathroom fittings, or built-in wardrobes.
• Spills and stains: Red wine on carpets or food stains on fabric.
• DIY mishaps: Drilling into a water pipe or hurting walls while decorating.
• Glass and mirrors: Broken windows, shower screens, or mirror furniture.

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What’s Not Covered by Accidental Damage Insurance?

Accidental damage cover provides peace of mind. However, it does not include:

• Wear and tear: Normal wear over time is not covered.
• Deliberate damage: If you or anyone at home harms something on purpose, it isn’t covered.
• Pests and vermin: Damage from rats, bugs, or other pests is not included.
• Negligence: If you don’t take care of your home, it could hurt your claim.
• Excessively expensive repairs: Some policies limit how much they pay for repairs after a claim.

How Much Does Accidental Damage Cover Cost?

The cost of accidental damage cover can change. It depends on different factors, like:

• The amount of coverage you select.
• Whether it is part of contents insurance or buildings insurance .
• The extra amount you decide to cover before the insurer pays the rest.
• The place where you live and your past claims.

Adding accidental damage protection to your home insurancecan cost between £20 and £100 a year. The specific price will depend on the insurance provider you select.

Is Accidental Damage Cover Worth It?

Accidental damage insurancecan be useful if:

• You have small kids or pets that might break things by accident.
• You have valuable items like a laptop, TV, or nice furniture.
• You like to do DIY projects that could lead to damage by mistake.

If you are good at doing small repairs by yourself or you have a high excess, you may feel that you do not need any additional cover.

How to Make an Accidental Damage Claim

If you want to submit an accidental damage claim, just follow these steps:

1. Check your policy documents to confirm if the incident is covered.
2. Gather evidence, such as photos of the damage.
3. Contact your insurer and submit your claim.
4. Pay the excess, and your insurer will take care of the rest of the cost if it’s approved.

FAQs About Accidental Damage Cover