content insurance - accidental cover - what is included?

bittihuduga

hi
in the contents insurance if we take up the accidental cover provided by few insurers, what does it include?
if the kids break any of the items, will that be covered?

in one of the website, it mentioned that paint falling on carpet.
i cant see anywhere breakage due to kids
please suggest

DubTony

If it's proper "Accidental Damage" cover, it should cover almost anything in your house that's broken or damaged in an accident of any sort. The policy might state things that may not be covered, but in general, they're usually straightforward enough.

oldyouth

Ask for a Specimen Policy, you are entitled to one on request. Nearly every house policy is in plain English these days and they divide the pages into headings of 'What is covered' and 'What is not covered'

Get one, have a read and if something in particular is not clear, come back here and we'll give it a go

oldyouth

Robert Kelly wrote: »

If possible always purchase your cover to include "Accidental Damage". It will ultimately give you more leverage in the event of a claim.

Robert
@ InsurePlus

You don't need leverage in the event of any claim, an incident is either covered or it is not. Accidental Damage just covers more events. The OP just asked about what type of events these were