Accidental Damage

How do companies define accidental damage. The hearing aids. are  listed. Unintentional one off. Would stepping on them, dropping them, spilling liquid be covered? This is an Urban Jungle policy


  • TELLIT01TELLIT01 Forumite
    15.1K Posts
    Eighth Anniversary 10,000 Posts Name Dropper PPI Party Pooper
    Different companies will have different criteria.  The only way to get the question answered in any meaningful way is to call the insurer.
  • edited 26 January at 12:45PM
    AretnapAretnap Forumite
    4.7K Posts
    Part of the Furniture 1,000 Posts Name Dropper
    edited 26 January at 12:45PM
    The policy will include a definition of accidental damage, but all of the things that you list would be covered under any reasonable definition of accidental damage.

    The main thing that would not be included would be an item falling apart during normal use, due to wear and tear or a manufacturing defect. And there's potentially a grey area around say an item falling apart due to a very minor drop or bump - is that mainly the result of the accident or of a defect? But dropping an item from a great height, standing on it and smashing it into a hundred pieces or dropping it into the sink would definitely come under accidental damage, assuming you didn't do it deliberately.
Sign In or Register to comment.
Latest MSE News and Guides

Martin and MSE campaign win

April's 20% energy price guarantee hike postponed

MSE News

Childcare budget boost

More support for children from nine months and those on Universal Credit

MSE News

Energy Price Guarantee calculator

How much you'll likely pay from April

MSE Tools