What is accidental damage insurance?

Accidental damage

Contents insurance is not rocket science. We explain everything you need to know about accidental damage in this glossary article.

Overview

What is accidental damage on contents insurance?

In the context of contents insurance, accidental damage is cover for damage that you cause accidentally to your own belongings. There are many situations where this will come in handy, such as dropping your laptop and breaking it, spilling red wine on your carpet, or breaking your mobile phone. Should you cause accidental damage to your belongings, you can make a claim for reimbursement, which you wouldn’t be able to do with a standard contents policy.

Does contents insurance cover accidental damage?

This varies from provider to provider. In most cases, you must extend your policy to include accidental damage. Typically, this will cost slightly more and will come in the form of add-ons or extensions.

Do I need accidental damage cover on contents insurance?

This really depends on your situation. Having accidental damage is always the safest option, as anyone can accidentally break or damage their possessions. If you have few or no expensive belongings, you might not see the need. However, it only costs slightly more than a standard policy and ensures your possessions are safe – even if you’re at fault. Ask yourself: Could I afford to replace items like my phone, laptop, or carpet, if I accidentally damage it?

Does contents insurance cover laptop accidental damage?

If you have selected accidental damage cover for your contents insurance policy, then yes! Belongings covered by your contents insurance policy are also covered by the accidental damage extension – if you’ve opted for it, of course. This includes mobile phones, carpets, other electronic devices, and more as well as laptops.

How does accidental damage cover work with Getsafe?

Getsafe offers accidental damage cover as an extension to contents insurance. You can add this while purchasing insurance for the first time or at a later date once you’re already a customer via the app. The extension starts at just £3.37 per month – a great price for an extra level of protection.