What is covered under Accidental / All Risk  Damage in a Home Insurance Content Policy ?

Answer:

An optional extension if required under the Contents Policy provides cover against unexpected and unforeseen accidents.

 

A typical wordings is as follows 

 

It is important that you read the detail of your own Home Insurance Policy to ensure that the cover is in accordance with your requirements.

 

The following is for general information purposes

 

Cover is provided for all other damage caused suddenly and unexpectedly by an outside force other than those covered under a general perils cover to the contents of the home while in your home.

 

Excluding damage to

 

  • Clothing, contact lenses, stamps food in freezers, and pedal cycles.
  • damage caused by wear and tear, loss of value, the action of light, the weather, moths, vermin, infestation, damp, rust, wet or dry rot, or anything which gradually happens
  • damage caused by your pet animals or your pet birds
  • damage caused by cleaning, washing, repairing or restoring any item, electrical or mechanical breakdown, or indirect loss
  • damage which is excluded elsewhere under the contents section of the policy.

Although the All risk extension extends the cover available it excludes gradually operating causes. It does not include for general wear and tear.

 

 

 

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What is covered under a Home Insurance Policy
◦ What is covered under a Building Policy
◦ What is covered under Accidental Damage Building Policy ?
◦ How do you calculate the Building Sum Insured
◦ Building Sums Insured for Listed Building / Period Properties?
◦ What is covered under a Contents Policy
◦ Other Cover Under A Contents Policy?
◦ What is covered under Accidental Damage Contents Policy ?
◦ How do you calculate the Contents Sum Insured?
How do I get a Home Insurance Quotation?
◦ What is a Home Insurance Proposal Form?
How do I make a claim under a Home Insurance Policy?
◦ What Happens When you make a Contents Claim?
◦ What happens when you make a Building Claim?
How do I make a Complaint under a Home Insurance Policy?
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Home Insurance Glossary of Insurance Terms
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