Applies to many types of insurance policies but is often most recognised as cover that is offered under personal insurance policies such as Home Insurance and Caravan Insurance. It provides cover for any eventuality where loss or damage has been caused as a result of an accident. Comprehensive Motor Insurance includes Accidental Damage Cover whereas Third Party, Fire & Theft doesn't.
unintended and unexpected damage caused by sudden and external means. This would exclude electrical and mechanical derangement and the action of insects, moths, vermin and the like. See also accidental damage to buildings and accidental damage to contents.
Unexpected and unintended damage caused by something sudden and external
Damage to or destruction of the buildings that make up your home, or your contents and valuable items, when it is caused by an unintentional act, or an unforeseen and uncontrollable natural incident.
This extends the basic cover to full accidental damage cover. An example of this would be putting your foot through the ceiling while in the attic.
This extends the basic contents cover to protect all of the contents against accidental damage caused by the client or their family, e.g. paint spilled on the carpet.
some contents insurance polices will allow you to claim for accidental damage. It is the damage done to your possessions by accident, for example, you spill a pot of paint over your carpet.