Accidental damage cover isn’t included on all home insurance policies as standard. Find out what it is, why you might need it and how to dispute a rejected claim.
Accidental damage insurance covers damage caused by unintentional acts, like spilling a drink and staining the carpet, or breaking an ornament.
Accidental damage cover is sometimes included in home insurance, but usually it’s sold as an optional extra.
You can get accidental damage cover for your possessions as well as for your building. Just because you have one, don’t assume you’re covered for the other.
Last checked 22 January 2020