We offer cover for accidental damage and loss as part of your home insurance policy

Accidental damage covers you against expensive accidents such as kicking a football through your window, spilling paint on your carpet, or dropping your watch on a stone floor. It’s designed to give you protection for all of life’s mishaps that sometimes simply can’t be avoided.

Hiscox UK

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When you might need to use your accidental damage and/or loss cover

Accidental loss covers your personal possessions for accidental loss both at home and while away from your home – for up to sixty days at a time. It covers you against expensive and distressing losses such as losing wedding rings and other jewellery, leaving bags on trains, and misplacing expensive phones.

If you decide to select these cover options for your policy and you later suffer an accidental loss or some damage, simply call our award-winning claims team. If we can't settle your claim immediately, we'll assign a dedicated Claims Underwriter to your case who will handle your claim from start to finish.

To find out more about Hiscox Home Insurance, read our policy documents:

If your Hiscox Home policy was not renewed between 13th July 2017 and 12th July 2018, then the following version of previous Hiscox Home policy wording would apply should you have a query.

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  • Accidental damage for buildings and contents included as standard
  • Dedicated claims handler assigned to all home insurance claims as standard
  • Award-winning claims service

Speak to our UK-based experts. Call us on 0800 247 1902

Mon - Fri, 9:00am to 5:00pm

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If you already have a policy with us and need to get in touch, our home insurance specialists are here to help.

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Our UK-based claims handlers are here to act swiftly and in your best interests. Find out more about our superior claims service.

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