What does optional buildings accidental damage cover?

Optional buildings accidental damage protects your buildings against certain types of accidental damage.

This gives broader accidental damage cover than you get as standard with our buildings insurance.

For example, it covers damage caused by:

  • putting your foot through the ceiling while in the loft
  • drilling through a pipe or cable.

Our standard buildings insurance covers accidental damage and breakage of:

  • underground pipes, drains and cables
  • fixed glass
  • sanitary fittings
  • ceramics in hobs and solar panels.

We define accidental damage as:

physical damage caused suddenly by an external event that's unexpected and not deliberate.

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