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.

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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:

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  • 0% interest on Direct Debits
  • Immediate coverage and documentation
  • No admin fees if you amend your policy

Need more help? Speak to our UK-based experts. Call us on 0800 247 1902

Existing customer

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 claims promise

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