Accidental Damage cover

PoGee

Wonder if someone in the know can clarify - what's 'limited accidental damage' and does this add to the premium? I've never had this before but see it's been added this year to contents, without my asking for it.

user1977

Presumably it's explained in your policy?

PoGee

Accidental yes is in policy but not 'limited'. I'll call tomorrow as they had closed by the time I noticed this.

Weighty1

Some general insurance policies automatically have limited accidental damage cover added on the policy protecting things like glass hob covers, fixed glass items like windows, patio doors and tech items like laptops, tv's, sound systems. 

This would normally fall into the standard cover and therefore comes at no extra cost.

DullGreyGuy

PoGee said:

Wonder if someone in the know can clarify - what's 'limited accidental damage' and does this add to the premium? I've never had this before but see it's been added this year to contents, without my asking for it.

Every insurer is free to create its own products and its own pricing. 

As mentioned previously, classically home insurance as standard included AD to glass, sanitary ware and home entertainment equipment. You are charged for it, as with anything you are buying but it's not optional so it's just part of the base price and won't be priced separately. 

A company could however totally deviate from this if they wanted and offer a "limited AD" for only certain types of items as an optional extra for a premium or offer a "full" AD for a higher premium that applies to all items.  You really need to read the policy book for the policy in question.