We offer cover for accidental damage and loss as optional add-ons to your home insurance policy. If you choose not to select them, we'll reduce your premium. When deciding whether or not to add these covers to your policy, it may help to know that over the last three years, accidental damage was the cause of 1 in 5 of the claims we paid and accidental loss was the cause of 1 in 6.
You should consider taking out accidental damage and loss cover if:
- You have lots of expensive portable equipment, like laptops, tablets, smartphones and cameras that you often take out of the house
- You have pets that could easily damage your furniture
- You own expensive jewellery that can be accidentally lost or damaged
- You often carry out DIY projects in the home and would like to know that you’re protected in case something goes wrong
When you might need to use your accidental damage and/or loss cover
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.
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’ll handle your claim from start to finish
To find out more about Hiscox Home Insurance, read our policy documents >