Sudden and unexpected accidents happen all the time so it’s good to know that when they do, your property and contents will be protected. With Accidental Damage cover mishaps such as kicking a ball through a window or spilling wine on your sofa doesn’t have to spoil your day.
You can choose to add the Accidental Damage cover to any of the core policies or get it automatically if you choose the Premier cover.
What's included in Accidental Damage cover?
Buildings
- Damage to drains, pipes, cables and underground tanks
Contents
- Breaking of ceramic hobs, mirrors and fixed glass in furniture and shelves
- Accidental loss of oil, gas, liquid petroleum or metered water
- Spillages on soft furnishings and furniture
- Breaking of vases, damage to free standing white goods including up to £1000 cover for freezer food
What you need to know about Accidental Damage cover
The following is not covered in the Accidental Damage insurance:
- The damage caused by gradual deterioration
- Accidental damage to clothing
- Damaged caused by mechanical or electrical breakdown
For more information about Accidental Damage cover, please see the Home Insurance Policy Wording, West Brom Standard Insurance Product Information Document and West Brom Premier Insurance Product Information Document documents.
All the small print wording like this should be updated to the new wording which is: Home insurance available from the West Brom is underwritten by Royal & Sun Alliance Insurance Ltd (no. 93792). Registered in England and Wales at St. Marks Court, Chart Way, Horsham, West Sussex RH12 1XL. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Reference No.202323.
Home insurance available from the West Brom is administered by Hood Group Ltd (no. 3139744). Registered in England and Wales at 52/54 Alexandra Street, Southend-on-Sea, Essex, SS1 1BJ. Authorised and regulated by the Financial Conduct Authority. Reference no. 616402..