Accidental Damage

Extra protection for your building and contents

Extra Accidental Damage cover for Home Insurance. Some cover may already be included as standard.

What is Accidental Damage?

Accidental Damage is any unintentional one-off incident that harms your property or contents.

This could be accidentally smashing a window or spilling a drink on the carpet or sofa. It's important to bear in mind that this does not include wear and tear, gradual damage or mechanical fault.

Type 1: Buildings Accidental Damage

Accidental Damage cover is available with our Buildings Insurance policy. Depending on the level of cover you choose Accidental Damage may automatically be included as part of the policy. The tables below show further information.

Admiral

Admiral
Gold

Admiral
Platinum

Glass And Sanitary Ware Accidental Damage

Available

Full Buildings Accidental Damage

Available Available

What does buildings Accidental Damage cover include?

This covers damage to the building, fixtures and fittings such as:

  • If a ball was accidentally kicked and smashed a window
  • If you were doing DIY to the property and you accidentally hit a pipe
  • Accidental damage to locks, such as if your key snapped in the lock
  • Accidentally burning the kitchen surface with a hot pan

Type 2: Contents Accidental Damage

Accidental Damage is also available with our Contents Insurance policy to cover the contents in your home and garden.

Admiral

Admiral
Gold

Admiral
Platinum

Audiovisual Accidental Damage

Available

Accidental Breakage Of Mirrors Or Glass

Available

Full Contents Accidental Damage

Available Available

What does contents Accidental Damage cover include?

Accidental Damage covers the loss or damage of your contents, such as:

  • If you accidentally knocked the TV off its stand
  • Accidentally dropped or spilt something on a laptop
  • Accidentally breaking an item of jewelry
  • Accidentally left straighteners on and burnt the carpet or furniture