Accidents happen. Whether it’s dropping your phone in the sink, spilling red wine on your favourite white rug or a football smashing your windows, nobody wants to have an ‘oops’ moment. But if you do, Accidental Damage cover can help. We’ll cover a variety of accidents that cause damage to your belongings or buildings.

Accidental Damage cover protects your things from sudden, unintentional physical damage that happens unexpectedly. It can apply to Buildings, Contents or both – it depends on the cover you have in your Home Insurance policy. If you have Home Insurance Plus, Accidental Damage is included as standard.

If you already have Accidental Damage cover, you can make a claim online or talk to our claims team.

If you already have Home Insurance and are looking to add Accidental Damage cover, give us a call on 0345 246 8372 .

What's included in Accidental Damage?

We cover:

Accidents to your belongings (when used with Contents only insurance) caused by sudden, unintentional damage. Some examples include:

  • Spilling wine on your carpet
  • Dropping your laptop down the stairs
  • Dropping your phone in the sink
  • Jammed DVD players or consoles with toys stuck in them

Accidents to your buildings (when used with Buildings only insurance) caused by sudden, unintentional damage. Some examples include:

  • A football smashing your window
  • Cracked bathroom sinks
  • Putting a foot through the floor whilst in a loft or attic
  • Leaky gas or water pipes if you bang a nail in where you shouldn’t – perfect for DIY fans

We don't cover:

  • Damage to bicycles
  • Damage to money
  • Damage caused by any paying guest or tenant
  • Loss or damage when it’s been more than 60 days since you last slept at your home on a regular basis

Other types of cover

Family Legal Protection

Get cover and support for different legal concerns you may face.

Home Emergency

Get cover for home emergencies, including broken boilers and damaged door locks.

Need more help?

You can make changes to your policy online, claim online or ask our virtual assistant.

Contact Us Claims

If you’d rather talk to us, just give us a call (includes Typetalk and sign language services). We can help you choose the right kind of cover.

Call us