Full Accidental Damage Cover
What is Full Accidental Damage Cover?
Protect your home from unexpected mishaps around the house with our optional Full Accidental Damage Cover.
What is Full Accidental Damage Cover?
Accidental Damage is a type of insurance cover that protects against unexpected accidents to your home or contents. It’s an optional extra that you can add to your home insurance.
Repairing or replacing damaged items can be expensive, and without Full Accidental Damage Cover, you might have to pay the costs out of your own pocket.
Accidental damage to buildings
Full Accidental Damage Cover protects your home's structure, fixtures, and external elements.
Accidental breakage of glass and sanitary fixtures
Sanitary fixtures, such as toilets, baths, sinks, showers and other bathroom fittings can be expensive to repair. So that’s why we cover them.
Accidental damage to underground drains and pipes
We’ll also cover accidental damage to underground drains, pipes, cables, and tanks.
Damage caused by emergency services
If emergency services have to force entry into your property due to a medical emergency or to prevent damage to your home, we’ll pay for the damage caused to the building or garden.
Accidental damage to contents
Full Accidental Damage Cover includes accidental damage to your belongings inside your home, including mobile phones, handbags, cameras and iPads with a value of less than £1,500.
Spills on carpet
We cover accidental damage to carpets caused by everyday mishaps, like spilling a glass of wine.
Water overflow protection
Covers damage caused by water overflowing from sinks, washbasins, bidets, showers, or baths if taps are accidentally left on, giving you peace of mind in case of unexpected mishaps.
How to make an Accidental Damage claim
Report your accident
Don’t worry, accidents happen. Report it to us when it’s safe to do so.
Provide your details
Sharing the relevant information will help us serve you quicker.
Get support
Our dedicated claims handler will handle your claim as soon as possible.
Or speak to our Claims team on 0333 043 2034
Answers to important questions
I'd like to add Full Accidental Damage Cover to my policy
You can only add Full accidental damage to a new policy at the time of purchasing. If you have an existing policy, you can only add Full Accidental Damage if you are either moving address or renewing your policy.
To add Full Accidental Damage to your policy, simply call us on 0333 043 2001.
How do I make changes to my home insurance policy?
If you’d like to make a change to your home insurance policy – like update your personal details, add or remove a joint policyholder or add extra items to your cover – just give our friendly Customer Service team a call on 0333 043 2001 and they’ll take care of this for you.
I'd like to discuss an existing home claim
If you have a question about an existing home insurance claim, we're here to help Monday to Friday, 8am - 5.30pm. Just give our friendly team a call on 0333 043 2034.
Do you offer live chat?
We also offer live chat across our sales pages, within Your Account and on our Help & Support page. Look out for the blue chat web chat icon at the bottom right of the page.
You can use web chat to and discuss any queries you may have with our Customer Services, Sales, Renewals, Claims and Payments & Finance team. You can also make a payment if you’re in arrears, providing we already hold your payment method on your account.
Thinking about Full Accidental Damage Cover?
Let's get it sorted today.