Accidental Damage 26 January at 11:56AM in Insurance & life assurance 2 replies 98 views

danexb

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

TELLIT01

Different companies will have different criteria.  The only way to get the question answered in any meaningful way is to call the insurer.

Aretnap

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.