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Q: What is optional buildings accidental damage cover?


We define accidental damage as physical damage that is caused suddenly by an external event and that is unexpected and not deliberate.

Our standard Buildings Insurance provides Accidental Damage cover to:

  • underground pipes, drains and cables
  • accidental breakage of fixed glass, sanitary fittings, ceramic in hobs and solar panels.

However if you want to protect your buildings against other types of accidental damage e.g. damage caused by putting your foot through the ceiling while in the loft or DIY accidents such as drilling through a pipe or cable, you will need to add this optional cover to your policy.

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