Accidental damage cover for Buildings and Contents Insurance
Our optional accidental damage cover is designed to complement our Home Insurance by providing you with peace of mind that you're covered for unintentional mishaps which cause visible damage to your property or belongings.Offering you extra peace of
mind
Accidental damage cover can be added to your Paymentshield Home Insurance to provide cover for your buildings, contents or both! Details are found within our latest Home Insurance Policy Booklet.
Accidental damage for buildings includes...
Covers the structure of the building, plus your fixtures and fittings, you are covered if you:
- Nail through a pipe when hanging a picture
- Put your foot through the ceiling when in the loft.
Accidental damage for contents includes...
Covers your belongings and contents within your home as well as damage to items in the open grounds of your home, up to a maximum of £1000 if you:
- Stain a carpet with red wine or paint
- Accidentally knock the TV off its stand.
What may not be covered...
There are certain eventualities not covered by our accidental damage cover for example...
For buildings we're unable to cover:
- We can't cover certain events which cause damage to properties whilst the property is left unoccupied for more than 60 days in a row
- Loss or damage caused by normal shrinkage or settlement
- Mechanical or electrical breakdown of any fixed domestic water installation.
For contents we're unable to cover:
- Damage to sports equipment whilst in use
- Any damage caused by wear and tear
- Any mechanical or electrical breakdown
See our latest insurance tips, guides and more
Do students need insurance whilst studying away from home?
When students go away to university, how can you make sure that their valuables are protected?In Insurance tips
Home extensions – do they affect your home insurance?
You're thinking of extending your home, but what do you need to think about when it comes to your home insurance policy?In Insurance tips
Does my home insurance policy cover my garden?
Not sure if your driveway, garden walls or shed is included in your insurance policy? You're not alone, take a look at what may or may not be covered with a buildings and contents insurance policy from PaymentshieldIn Insurance tips