Accidental damage protects against the unexpected and is available to buy on contents, buildings or combined home insurance. We define an accident as indeliberate, unexpected and visible loss or damage.
Read on to find out what accidental damage cover includes and if it’s right for you.
It depends if you want cover for accidental damage to your home and its contents.
While you might be careful around the home, it’s worth considering if you have children or lots of visitors.
To work out if it’s worth it, calculate the cost issues like repairing your home after a DIY disaster or replacing a work surface damaged by a hot pan.
Accidental damage cover can be added to a home insurance policy or included as standard.
The cost of accidental damage varies between insurers and depends on the level of cover. It's covered within the premium cost if your policy includes it as standard.
If you want to add it on, it’s rarely a set price like other home insurance add-ons like home emergency cover.
Buildings and contents insurance includes different types of accidental damage. Each insurer has a way of splitting the cover.
Below, we’ll talk generally but mainly explain how we split our cover options.
Accidental damage claims for buildings are less common but are often larger and more complicated. We have two cover levels of accidental damage for buildings insurance:
Below are some situations we’d likely cover:
We have three cover levels of accidental damage for contents insurance:
Contents accidental damage includes items such as:
One of the most common claims is for carpet damage – whether by spilt wine or toppled paint tins. Some other examples include:
Admiral Platinum – includes full buildings and/or contents accidental damage cover as standard
Admiral Gold – includes accidental damage cover for external glass and internal sanitary fittings (like toilets and wash basins), mirrors and internal glass (like ceramic hobs and glass-top tables), and non-portable audiovisual equipment (like TVs and gaming consoles)
Admiral – accidental damage cover is optional
An upgrade to full buildings and contents accidental damage cover is optional.
Some insurers exclude any damage caused by your pets; however, we cover accidents like your excitable puppy knocking your TV off its stand.
Please check your policy book for more information as pet-related claims are more complicated than other family members.
Depending on the type of insurance and level of cover, we also don’t cover damage:
Check the policy book for a full list of exclusions.
We have another type of insurance called personal possessions cover that protects items you wear or carry with you outside of your home like:
If any of the above is worth over £1,000, you may need to add it as a specified item.
We cover accidental damage even if a family member or someone who doesn’t live in your home causes it.
However, home insurance doesn’t cover you if a paying guest causes damage. You need landlord insurance (for long-term tenants).
There’s also Host insurance for short-term guests and other overnight stayers, like Airbnb guests.
Read your policy documents to see if we cover your claim. You can view them on MyAccount.
Remember to check your excess. If it’s higher than the cost of the damage, we can’t process the claim, and you’ll need to pay for it.