Accidental damage cover
Accidents can happen at any time, so it’s a good idea to ensure you have the right cover to suit your needs.
Understanding home insurance can seem complicated but it doesn’t need to be. We’ve broken down our cover into some easy-to-understand sections to help you understand what we can cover and our limits.
Our buildings insurance includes cover for outbuildings including sheds and garages provided they are included in the buildings value you give us. The contents section of your home insurance will also cover contents in these buildings (excluding motor vehicles) provided they are properly secured when not in use (a padlock on your shed or a lock on your garage door).
Terms to be aware of:
Our home contents insurance section will provide cover for your personal possessions while they are in your home. If you have chosen our set level of cover for your contents then your policy will automatically cover your personal belongings up to a limit of £3,500 anywhere in the world for up to 90 days in any one period of insurance.
If you have a policy where you have specified how much your contents sum insured should be, you have an option to extend your policy to include the above cover.
Terms to be aware of:
Our home insurance policy includes cover for valuables such as jewellery and precious metals, clocks and watches, furs, pictures and works of art, stamps, coins or medal collections whilst in your home.
Although jewellery insurance is included in your policy as standard, you still need to think about what your valuables might be worth. Unique or particularly valuable items may need extra insurance or special terms.
Our set level of contents cover includes the following limits for valuables:
If you have chosen your own contents sum insured then your valuables limit will be around 35% of this amount.
You should let us know if any one item or collection is worth £3,500 or more. If the valuables limit that applies to your policy is not adequate, please let us know and we can discuss this with you.
It’s always best to keep proof of purchase, photographs and any legal documents which help to prove ownership of these items in case of a claim.
Ecclesiastical customers receive a discount. through our preferred supplier network which includes professional valuation services.
Home office equipment such as computers and their accessories, office equipment and office furniture, used only for clerical and administrative use can be covered up to £10,000 in total. If you wish to have accidental damage cover or cover away from the home for your laptops and mobile phones then please just let us know.
For those with green fingers, don’t forget the items you want to protect in your garden. You might have hundreds of pounds worth of garden trees, plants and shrubs which could be damaged or stolen.
We cover individual items up to £250 up to a total of £2,500 for all claims during the period of insurance.
Just be aware - we exclude damage caused by storm or flood, frost, weight of snow or damage by animals.
We provide up to £750 cover for any one pedal cycle provided you do your best to make it secure. If your bicycle is valued over £750 then please discuss this with us to ensure you have cover for this item.
You should not leave your bicycle simply in your garden, this will not be covered by our insurance. Unattended bicycles should be stored indoors or securely locked to a permanent fixture. Cover is not provided for bicycles while racing.
For full terms and conditions, features and exclusions, please read our home insurance policy wording or call our team on 0345 777 3322.
If you make a change in your policy cover and this results in a charge or refund of premium for the period up to the renewal date of the policy , then such a charge or refund will only be made by us if exceeding £15 plus insurance premium tax.
We do not make an administration charge for processing changes you require.
The fences at your property will be covered under this insurance. However, damage caused by storm or flood to fences, hedges or gates will only be covered if the main building, garage or outbuilding is damaged at the same time.
We can offer a policy to cover your let property but this is not a specific commercial landlord’s policy.
The cover does not include loss of rent or rehoming the tenants should they no longer be able to reside at the property.
The Legal expenses section does not cover adverse possession.
We will cover the reasonable and necessary costs incurred with our consent to: locate the source of leaking water or oil from any fixed water or heating system in your home; and repair any damage caused in locating the source of the leak. If there is a gradual cause such as wear and tear or corrosion, the cost of replacing the part and additional labour is not included.
The most we will pay is £5,000 for each leak.
We will pay 50% of the cost of replacing undamaged items which form part of:
If your home cannot be lived in because of damage covered by your policy, we will pay 20% of the sum insured to help you with reasonable and necessary costs of your temporary accommodation (see policy document for full details).
Standard cover will cover your property and/or contents for the perils noted in the policy document, e.g. fire, storm, flood and subsidence.
Accidental damage cover will provide cover for your property and/or contents for any damage caused accidently, for example, spilling paint onto a carpet or putting a hammer through a wall whilst carrying out some DIY.
Accidental Damage is an ‘add-on’ which means it is entirely your choice to have this optional extra.