UK-based support
Speak to real people about your policy in our UK-based call center.
Accidental damage cover for your buildings
Extra protection for your home's structure and built-in fittings.
)
Accidental damage cover for your buildings with Policy Expert
Adding accidental damage cover to your home insurance gives you extra protection for your home. Choosing Policy Expert means you'll also benefit from:
Flexible cover
Choose the level of accidental damage cover for your buildings that suits you, with the option to upgrade.
One excess, not two
If you need to claim under both buildings and contents for the same incident, you’ll only pay one policy excess.
)
What is accidental damage cover for your buildings?
You can add accidental damage cover for your buildings to your home insurance. It can help pay to repair eligible parts of your home damaged by accident, such as a wall damaged while moving furniture.
Accidental damage is sudden and unexpected. Wear and tear or damage that happens gradually are not covered by your home insurance policy.
What’s included in the cover?
We offer several tiers of home insurance cover: Basic, Bronze, Standard, Silver, Gold and Platinum. Each one includes a different level of accidental damage cover. If your tier doesn't include everything you need, you can also add our upgraded cover when you set up or renew your policy.
-
Underground pipes, cables and tanks
covered as standard, whatever level of cover you choose.
-
Sudden, unexpected damage
to eligible parts of your home, included with Platinum or available as an upgrade on other cover levels.
-
Fixed glass
such as windows and double glazing, included on Silver cover and above.
-
Fixed bathroom fittings
like baths, sinks and toilets, included on Silver cover and above.
-
Solar panels
damage to panels fixed to your home, included on Silver cover and above.
)
How to make a claim with Policy Expert.
If you need to make a claim on your home insurance, the quickest way to get started is online through our claims page or your customer account. If you prefer, you can also give us a call.
Before you begin, it’s worth checking your policy documents so you know what cover you have and what excess applies. If you’re unsure about anything, get in touch and we’ll help you work out what to do next.
What isn’t protected?
Adding this cover gives your home better protection against accidents, but it doesn't cover everything. It's also important to understand what isn't covered, and this can also vary depending on the tier of home insurance you choose. Here are some examples:
-
Wear and tear
-
Either poor or lack of maintenance
-
Damage from before your policy started
-
Mechanical or electrical breakdown
-
Damage while your home isunoccupied for an extended period of time
-
Damage caused by pets, vermin or bad weather
Other types of home insurance to consider
-
Accidental damage for your contents
This cover is there for those one-off mishaps with your belongings - things inside your home that aren’t part of the building’s structure.
-
Home emergency cover
Home emergency cover helps when you need urgent attention for problems that can't wait such as burst pipes, blocked drains, or issues that make your home unsafe or insecure. It's about getting emergency support quickly and making things safe again, rather than fixing accidental damage to things like broken glass or cracked bathroom fittings.
)
Our awards and recognition
When you choose Policy Expert, you're choosing an insurer recognised for great customer service.
We are rated Excellent on Trustpilot. and were named Buildings Insurance Provider of the Year in the Telegraph Insurance Awards 2025.
Accidental damage cover for buildings FAQs
Does accidental damage cover water damage?
It depends on the cause. Buildings accidental damage cover can apply to accidental damage to underground pipes, tanks, cables and services where the policy wording says this is covered. This is different from general escape of water cover, so it’s important to check the cause of the damage and your policy wording.
Does a claim on accidental damage cover affect my no claims?
Making a claim for accidental damage works just like any other home insurance claim. It'll be added to your insurance history, which could affect the price you're quoted when your policy comes up for renewal. If you've got a no-claims discount on your policy, this might be affected too - it depends on how your cover's set up.
Before you make a claim, take a moment to check your excess and work out what the repair might cost. This way, you can decide if claiming is the right choice for you.
Explore our home insurance optional extras
)
Accidental damage cover for your contents
Learn how Policy Expert accidental damage cover for your contents can help protect your belongings from everyday accidents around your home.
)
Home emergency cover
Find out what home emergency cover includes, what's covered, and how it can help when things go wrong.
)
Legal expenses cover
Learn what legal expenses cover includes, the types of disputes it can help with, and when you can make a claim.