Choosing the right cover for you

Contents

Am I covered if…*

I accidentally spill wine on the lounge carpet

Unfortunately standard cover wouldn't cover you, but if you added accidental damage cover the stained carpet would be replaced, subject to any excess on your policy Close answer

My husband drops a heavy pan on our glass hob and smashes it

Yes, our standard policy would cover you on a 'new for old' basis Close answer

My son accidentally knocks his TV off the table with his school bag

Yes, the TV would be covered by our standard policy Close answer

My daughter spills nail varnish all over her dressing table

While a standard policy wouldn't cover you, if you took out optional accidental damage cover and the table was damaged it would be repaired or replaced Close answer

In the middle of moving house, the professional removal contractors damage my leather sofa

Standard cover wouldn't protect you, but optional accidental damage cover would Close answer

I accidentally smash a mirror when re-decorating the hall

Yes, our standard policy would pay for a replacement mirror Close answer

The freezer conks out and all the food I've bought for our son's 1^st birthday party is spoiled

All our home contents policies would refund you the value of the food you’d lost up to £1,000 as a result of a freezer breakdown Close answer

We’re burgled and they get away with all the wedding presents we had been given for our wedding

Yes – and a great benefit of our policy is that we automatically increase the level of your contents cover by 10% during the period 30 days before and 30 days after your wedding day or that of a member of your family Close answer

My credit card is stolen from home and used to buy things without my permission

We automatically cover you for unauthorised credit card use up to certain limits, as long as you have followed your card issuer’s terms and conditions Close answer

My daughter invites her friends over for a sleepover and they damage my home entertainment system

This would be covered under our standard policy Close answer

Buildings

Am I covered if…*

My son smashes a window with his football

Yes, our standard cover will pay for the glass to be replaced, as long as the damage was accidental Close answer

My husband accidentally drills through a water pipe when he’s putting up some bathroom shelves

If you have optional buildings accidental damage cover then this will pay for damage to the fabric of your house caused by leaking water Close answer

While I'm getting suitcases down from the loft
I accidentally put my heel through the ceiling of the floor below

If you have optional buildings accidental damage cover then this will pay to have the ceiling repaired Close answer

We damage our front door bringing in a new sofa

If you have optional buildings accidental damage cover then this will pay to have the door repaired Close answer

My sister calls from America to wish me a happy birthday while the bath is running. I forget about the bath and it floods the bathroom

You wouldn’t be covered by a standard policy but optional buildings or optional contents accidental damage cover would pay to put things right Close answer

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