Accidental damage cover

How to protect your home and contents against accidents and mishaps

Average customer rating: 4.3/5
Written by Kenneth Young
Reviewed by Adrian Taylor
Updated March 19, 2024

Expert tips on accidental damage cover

Our home insurance expert, Adrian Taylor has some helpful tips on accidental damage cover in your home and contents insurance policy.

Adrian Taylor
Executive General Manager – General Insurance

Check the PDS of your policy for this cover

Accidental damage is usually an optional extra to purchase and isn’t generally included in your standard policy, although sometimes you might find it is. This is why it’s important to read the PDS or contact your insurer to be sure of your cover.

Great cover option for unexpected mishaps

Accidental damage cover can be a valuable inclusion in your home or contents insurance, since unexpected mishaps like spilling a drink on the carpet or damaging a wall while moving furniture can happen at any time.

You can change policies at any time

If you want to switch to a new policy, you can cancel your existing policy whenever you like; just be aware of any cancellation fees that may apply. If you paid your premium upfront in full, your insurer may refund you for the remaining period of your cover.

You have options to lower your premium costs

You can increase your policy’s excess to potentially lower your premium. Just keep in mind that this is the amount you may need to fork out in the event of a claim, so be sure you choose a manageable amount.

The basics of accidental damage cover

What is accidental damage cover?

How is accidental damage defined?

What’s included, what isn’t

Events included in accidental damage cover

What isn’t insured through accidental damage cover?

Does accidental damage cover protect all my contents?

Important to know

How much does accidental damage cover cost?

Why should I get accidental damage cover?

Meet our home and contents expert, Adrian Taylor

Adrian Taylor
Executive General Manager – General Insurance

As the Executive General Manager of General Insurance at Compare the Market, Adrian Taylor works to make it easier for homeowners, renters and landlords to protect their home and contents. He believes it’s important for all residents (whether they rent, own or lease) to have adequate financial cover for their property and belongings in case the worse should happen.