Did you know the majority of home insurance claims are for accidental damage in the home? This could be something as easily done as spilling a drink on the carpet or breaking fixed glass in your home. Accidental damage covers you for unforeseen and unintentional events that cause damage to your property or belongings within it.
We understand that this damage can happen accidentally and be expensive to repair especially when you’re least expecting it. With a Uinsure policy included as standard is accidental breakage to fixed glass and ceramic hobs, sanitary fixtures and fittings and solar panels. With a building’s insurance policy, you can choose to add on Accidental Damage cover as an optional extra. This covers unexpected and unintended damage caused by something sudden and external such as putting your foot through a ceiling whilst in the loft. Also included as standard is cover for breakage to TV’s, video and audio installations, satellite dishes, games consoles or desktops. Accidents caused by children are also included with a standard policy which could be vital if your little ones decide to paint a masterpiece on your new sofa! If you choose to add on Accidental Damage cover with your contents policy this will insure you contents against damage caused by unintended mishaps, such as spilling wine on a carpet, knocking over an ornament or burning a sofa with a cigarette.
Accidental Damage cover can be a cost-effective way to avoid expensive mistakes and ensures you are fully protected if faced with these problems. Also included with a Uinsure policy is new-for-old cover. This means that if you break something by accident, the insurer will compensate you for the new replacement value of the object rather than it’s depreciate value at the time it was damaged. In most occasions Accidental Damage cover can also be cheaper than other insurance policies such as mobile phone insurance whilst providing the same level of cover against damage, theft or loss.
Case study:
When Mr F spilt red wine and accidentally damaged his new mobile phone and cream sofa he contacted Uinsure to make a claim. As he had taken out Accidental Damage cover with his home insurance policy, he received a cash settlement for the phone as it was deemed beyond economic repair. Within Mr F’s contents police, the damaged sofa was covered under the ‘new for old’ section. This meant that, as the sofa could not be repaired, Mr F received a new sofa as a replacement.
Without Accidental Damage cover, Mr F would have had to pay £700 for the new phone and £2,300 for a new sofa, a total cost of £3,000. Instead this was covered under his Uinsure policy and replacements were arranged within a couple of days.
Ultimately the best way to protect your home and valuables safe is to ensure good maintenance. However, for the accident prone and those with young children, accidental damage could mean the difference between an accepted or rejected claim if the time comes.
