Enhanced accidental damage cover for buildings

Do you need enhanced insurance for accidental damage?

For many of us, our homes are more than just a place to live. Whether your property is an investment or your pride and joy, chances are you want to keep it in good shape. And sometimes that might mean dealing with pricey repairs, if bad luck strikes.

What is enhanced accidental damage on buildings insurance? 

In short, it’s cover that can help you with the cost of repairs if you accidentally damage your property. It also applies if someone else is responsible for the damage. After all, even experienced DIY-enthusiasts can make mistakes. 

We include some accidental damage cover as part of our standard buildings or home insurance. But if you want more inclusive cover we also offer it as an optional extra, at an additional cost. 

What’s covered?

Enhanced accidental damage buildings insurance gives your home insurance an added boost, covering you for some types of accidental damage that our main buildings insurance won’t.  And by ‘accidents’, we mean one-off incidents that are non-deliberate. This covers things like putting your foot through the attic floor, drilling through a water pipe or cutting a cable in two by mistake.

Rather than being left with the problem, your policy will cover the cost of repairing or replacing it.

What’s not covered by enhanced accidental damage cover? 

Even with the optional extra insurance, there are some types of damage to your property that aren’t covered. A few of the main ones to bear in mind include damage that’s caused by: 

• Bad workmanship
• Demolishing, altering or extending the building
• Mechanical or electrical faults or breakdowns

Will my belongings be covered? 

Your belongings won’t be covered. This is for accidental damage to buildings only. 

You can buy buildings and contents insurance as two separate policies, or as a combined package. With a combined policy, your belongings will be insured against some mishaps, like if you accidentally damage your TV. 

If you want broader cover for your belongings, you can buy enhanced contents accidental damage cover as an optional add-on, for an additional cost.

Please be aware that cover limits, exclusions and excesses apply. Make sure you read our policy documents to find out more. 

Need to make a claim on your home insurance? Have a look at our policy document for more details on what we will and won’t cover.