Accidental Damage Insurance

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What are you covered for? 

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All about accidental damage policies….

Accidents Happen Right?  


Bolt on to existing policies

These policies are often optional add-ons to standard home insurance plans and can be tailored to cover specific needs.

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For Buildings Policies

Covers the structure of your home, including the walls, roof, and floors, as well as permanent fixtures such as fitted kitchens and bathrooms.

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For Contents Policies

Covers personal possessions within the home, such as furniture, electronics, clothing, and other personal items.

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For Yourself

Often missed! But we have fixed price policies that can cover you for costs if you are involved in an accident or end up in hospital

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The benefits

It may feel like an un-necessary addition, but accidental damage insurance can cover many situations

Peace of Mind

Provides reassurance that you are protected against unexpected mishaps that can be costly to repair or replace.


Simplifies the process of making claims for accidental damage, avoiding potential disputes about whether an incident is covered under standard terms.

Comprehensive Protection

Extends the standard coverage of your home insurance, making it more robust and comprehensive.

What kind of things are covered?

For Buildings Accidental Damage, things like
drilling through a pipe or electrical wiring.
damaging a window or door or breaking fixtures or fittings that are part of the fabric of the building.

And for contents?

Protects against accidental damage to your personal belongings. This can include things such as
spilling red wine on a carpet, dropping and breaking a valuable piece of artwork or electronics or a
child accidentally knocking over and breaking a TV.