Home & contents claims

Accidental damage at home: what to do and what to gather

First check you actually have accidental damage cover, because many policies don't.

Do this first

1. Check your policy covers accidental damage It's an optional extra on many policies.
2. Stop it getting worse, and keep the damaged item
3. Photograph the damage before cleaning or repairing
4. Contact your insurer before arranging repairs

Who to tell

• Your insurer: Start your claim promptly.

What to gather

• Confirm your policy includes accidental damage. Without it the claim is likely to be declined.
• Photos of the damage. Shows what was damaged.
• What happened, when and how. Insurers ask for the cause.
• A repair or replacement quote. To assess the cost.
• Receipts or proof of ownership. Supports the value.
• A list of damaged items with values. If more than one item is involved.

Things that catch people out

• Accidental damage cover often excludes wear and tear, pets and gradual damage. Check the wording.
• Keep the damaged item until your insurer says you can dispose of it.

General guidance only. It isn't your insurer's requirements or financial advice. Always check your policy documents and your insurer's instructions.