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  • FIRST POST
    • Mishomeister
    • By Mishomeister 27th Sep 17, 9:00 PM
    • 777Posts
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    Mishomeister
    Accidental damage to content question
    • #1
    • 27th Sep 17, 9:00 PM
    Accidental damage to content question 27th Sep 17 at 9:00 PM
    Having a very active 2yo I am considering to add an acidental cove to content to my insurance when the renewal date comes.

    I am however confused as to whether it would cover if my child was to brake something delibiretely eg has thrown something in to TV etc?

    Also I understand that this sor of cover is normally coming under the Additional accidental cover section so I was wondering if it comes and i pay for it addtionaly like for a home emergency cover for example if claiming on it would not be classed as a claim as such and there would be no excess payable and it would not effect no claims benefit?
Page 1
    • rs65
    • By rs65 27th Sep 17, 9:14 PM
    • 5,346 Posts
    • 2,545 Thanks
    rs65
    • #2
    • 27th Sep 17, 9:14 PM
    • #2
    • 27th Sep 17, 9:14 PM
    A claim under accidental damage cover is a claim on the policy with an excess to pay.
    • Mishomeister
    • By Mishomeister 27th Sep 17, 10:47 PM
    • 777 Posts
    • 189 Thanks
    Mishomeister
    • #3
    • 27th Sep 17, 10:47 PM
    • #3
    • 27th Sep 17, 10:47 PM
    Isnt the additional accidential damage cover is.a different thing from a standard accidential cover.
    • tempus_fugit
    • By tempus_fugit 27th Sep 17, 10:53 PM
    • 421 Posts
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    tempus_fugit
    • #4
    • 27th Sep 17, 10:53 PM
    • #4
    • 27th Sep 17, 10:53 PM
    It would still be classed as a claim with an excess to pay, as rs65 says.
    Retired at age 56 after having "light bulb moment" due to reading MSE and its forums. Have been converted to the "budget to zero" concept and use YNAB for all monthly budgeting and long term goals.
    • Blibble
    • By Blibble 28th Sep 17, 6:58 AM
    • 449 Posts
    • 786 Thanks
    Blibble
    • #5
    • 28th Sep 17, 6:58 AM
    • #5
    • 28th Sep 17, 6:58 AM
    It's an extra peril tagged on to your standard cover, with its own excess and exclusions.

    Damage such as a child throwing something at the TV would generally be covered.
    • paddyandstumpy
    • By paddyandstumpy 28th Sep 17, 7:59 AM
    • 1,056 Posts
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    paddyandstumpy
    • #6
    • 28th Sep 17, 7:59 AM
    • #6
    • 28th Sep 17, 7:59 AM
    It's an extra peril tagged on to your standard cover, with its own excess and exclusions.

    Damage such as a child throwing something at the TV would generally be covered.
    Originally posted by Blibble
    I read that really fast in passing and read it as throwing a child at the TV
    • Mishomeister
    • By Mishomeister 2nd Oct 17, 8:49 PM
    • 777 Posts
    • 189 Thanks
    Mishomeister
    • #7
    • 2nd Oct 17, 8:49 PM
    • #7
    • 2nd Oct 17, 8:49 PM
    It's an extra peril tagged on to your standard cover, with its own excess and exclusions.

    Damage such as a child throwing something at the TV would generally be covered.
    Originally posted by Blibble
    Witht it's being an extra cover, would the claim under it also not being classed as an insurance claim as it would be the case with the mome emergency and legal cover addons?
    • paddyandstumpy
    • By paddyandstumpy 2nd Oct 17, 9:02 PM
    • 1,056 Posts
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    paddyandstumpy
    • #8
    • 2nd Oct 17, 9:02 PM
    • #8
    • 2nd Oct 17, 9:02 PM
    You've asked this more than once, anc been given the same answer, more than once.

    It's an upgrade to cover, not an add on like legal cover.

    Any claim made under A/D is subject to excess, declarable to future insurer for the disclosable period and will effect any NCD.
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