Home insurance - accidental damge

dacouch

ceegee wrote: »

Most things that might happen are covered by the standard policy. I worked in insurance for over 20 years and "accidental damage" was introduced during that time. What with all the exclusions it brought with it, we all felt it was not worth the extra money.

I've never felt the need for it and have never had it, but it's up to you whether or not you think it's worthwhile.

With all due respect, I don't think you fully understand what type of claims are covered by Accidental Damage.

OP The extra £50 for accidental damage would not put me off but the size of the excess is worth noting.

There are plenty of claims that a/d covers especially under buildings cover where they can be very large claims

martinjade

dacouch wrote: »

With all due respect, I don't think you fully understand what type of claims are covered by Accidental Damage.

OP The extra £50 for accidental damage would not put me off but the size of the excess is worth noting.

There are plenty of claims that a/d covers especially under buildings cover where they can be very large claims

I agree, as a point of reference last winter Insurers were at a loss as to how to deal with lying snow on buildings e.g roofs damaged, gutter brought down etc. It didn't fall under the definition of storm, the only place they could pay out was under the accidental damage section. I would therefore suggest that everyone reviews their cover and consider including accidental damage.

s_glover

What about if you drop something on the carpet - paint, red wine?

Not something you can easily sort yourself and even the most careful of can have mishaps!