Most policies will cover for the major incidents of fire, burglary, flood and vandalism. In
addition they will also include accidental damage to certain items in the home such as Televisions and bathroom furniture.
To have FULL accidental damage for all of your home will cost extra and in most cases is a worthwhile cover to have.
Full accidental cover will include incidents such as a pot of paint falling over a carpet or furnishings, putting a foot through your loft floor i.e ceiling of a bedroom.
If you are a DIY enthusiast or have a busy home then full accidental damage is worth considering. Please beware that having this type of cover is not a licence to be careless with your home. Any insurance company will require you to have a duty of care.
When asking for a quote be aware that you will more than likely be offerd a standard policy which will make the premium cheaper. If you want Full accidental cover it is best to make sure and ask if that is included. Check your policy when it arrives.
For more information or you wish to discuss further please contact:
Tel Number: 01708 640855
Authorised and regulated by the Financial Conduct Authority