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Accidental damage cover for your contents
Protect your belongings from everyday accidents with this optional cover.
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Accidental damage cover for your contents with Policy Expert
Adding this cover to your home insurance gives you extra protection for your belongings from everyday accidents. Choosing Policy Expert means you'll also benefit from:
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.
Flexible cover
Choose the level of contents accidental damage cover that suits you, with the option to upgrade.
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What is accidental damage cover for your contents?
You can add accidental damage cover for your contents to your home insurance. It can help pay to repair or replace eligible belongings damaged by an accident, such as a television knocked over in your home.
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. Contents accidental damage is included from Silver cover upwards, with extra protection added on Gold and Platinum. If your tier doesn't include it, you can add our upgraded cover when you set up or renew your policy.
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Sudden, unexpected damage
to certain belongings, caused by a one-off accident.
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Mirrors
accidental damage to mirrors, included on Silver cover and above.
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Fixed glass in furniture
breakages to glass fixed within furniture, included on Silver cover and above.
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Ceramic hobs
accidental damage to ceramic hobs, included on Silver cover and above.
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Mobile phones
depending on tier, we cover mobile phones, laptops and tablets.
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How to make a claim
If you need to make a claim on your home insurance, the quickest way to get started is to log it online. If you prefer, you can also give us a call.
When you make a claim, we’ll usually ask for:
1. Your policy number and address,
2. Details of what happened,
3. When it happened and what was damaged.
If possible, it’s also helpful to have photos of the damage and any quotes or invoices for repairs ready.
What isn’t protected?
This cover helps protect your belongings when accidents happen, though it won't cover every situation. What's excluded can differ depending on your level of home insurance, so it helps to know what to expect before you need to claim. Remember, anything that's fixed to your home; like walls, doors, windows, or your roof - is covered under buildings insurance instead.
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Damage caused by pets
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Wear and tear or damage that happens gradually
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Damage to glass caused by chipping, denting or scratching
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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 for contents FAQs
Does contents insurance cover accidental damage?
Most standard contents policies don't automatically cover accidental damage - like knocking your laptop off the table or smashing your TV screen. You'll need to add accidental damage cover as an optional extra.
Am I covered for accidental damage?
When setting up a policy, you have the option to include additional accidental damage cover for your buildings and/or contents. This will provide more comprehensive protection for incidents such as dropped phones, spillages on furniture, damage caused by children or even DIY accidents which may not have been covered otherwise.
Your policy documents will confirm if it includes additional accidental damage cover. You can check them by logging into your customer account via our website.
Will accidental damage cover for contents against damage caused by pets?
No, damage caused by pets isn't covered. This applies whatever level of home insurance you have.
Is my mobile phone covered under my home insurance policy?
Depending on your level of accidental damage cover, your mobile phone, laptop and tablet may be covered. Check your policy wording to see what’s included.
Explore our home insurance optional extras
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Home emergency cover
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Key cover
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