Buildings cover, accidental damage

It's always the way. When you're fixing something, you end up breaking something else. So it's good to know that some buildings accidental damage is covered as standard under our buildings insurance.

What is accidental damage buildings insurance?

It's protection against the cost of repairing your home when someone damages your property by mistake. It's usually an optional extra, but our home insurance has some accidental damage cover as standard. So you can sleep tight knowing we've got some of the big things taken care of.

What we cover

Some accidents are covered as standard under your buildings cover:

  • Accidental breakage of fitted ceramic hobs, sanitary ware and fixed glass – so that's your loo, sinks, and the glass in the windows and doors taken care of as well as your ceramic hob.
  • Accidental damage to services – that's drains, pipes and cables that serve your home. For example, if someone needs to break into a blocked sewer pipe under your grounds because it can't be unblocked any other way, our policy covers up to £1,000 of the cost of breaking and repairing it.

What's not covered

With accidental breakage of fitted ceramic hobs, sanitary ware and fixed glass, you're not covered for things like:

  • Scratches
  • Blockages

With accidental damage to services, you're not covered for the cost of things like:

  • Fixing damage to any part of the pipe or cable above ground
  • Clearing drains or pipes above ground

You can find a full list of what's covered and what's not covered in our policy document.

Looking for even more protection?

You can add extra Accidental Damage Cover to both our Buildings Cover and Contents Cover, for an additional cost:

Furnish your cover with our optional extras

Now you've laid the foundations with our standard cover, for an extra cost you can build on it with our optional extras to give you, your family, and your treasured possessions even more protection.