Compare accidental damage (Content Only) home insurance or home insurance laptop damage

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Compare accidental damage (Content Only) home insurance or home insurance laptop damage

Many home insurance insure against things like fire and theft only – not against accidents, such as kicking football through your window or leaving red wine on your cream-colored carpet. If you want extra peace of mind, then adding accidental damage home insurance to your buildings insurance and insurance of insurance may be the answer.
What is the content insurance with accidental damage cover?
Standard Content Insurance Cover generally protects you if you have been stolen or if they are damaged by fire or in flood. If something happens due to the accident then it does not protect you.
Adding an accidental damage cover means that if your home crashes at home or gets destroyed, then your insurance will pay for repair or replacement. According to Mintel, this is the most popular type of domestic insurance claim. So, if your child gets away and crayon goes to the entire couch, or your daughter’s home dance routine fails and knocks on your vase, or you make your wall wrong on the TV and it falls and breaks – you can be covered.
What’s the difference between accidental damage contents insurance and accidental damage buildings insurance?
While accidental damage material insurance covers you for your household goods, you may need accidental damage buildings to avoid damage to the building. For example, insert your feet through the roof in the loft or through drilling through a water pipe. With the accidental damage building insurance, you should be covered for repair of the pipes, while your material insurance will cover you for any damage to water, curtains or any consequential water damage to the furniture.
If an item is destroyed, will I get a new one with accidental damage insurance
If you have new material for old insurance – which is quite standard these days – you will be given the same replacement item, money or voucher for the new transfer of items. This is different from the deficiency for any excess that applies to your policy.
The exception can be that you have damaged objects like your curtains, bedding or clothes. In such circumstances, it is possible that your claim will be reduced by the ‘wear and tear’ section. More on that in a moment. Check your policy document for details.
How much does accidental damage insurance cost?
It depends on the level of your desired cover and the value of your property or building. On average, people pay extra premium of £ 28.36 * for accidental damage home insurance upgrade, which works approximately 54p per week during the year.
What is home insurance wear and tear section?
For some things, an insurance provider can cut due to wear and tear. These are usually accessories like clothes, bed linen or curtains. An insurance provider can keep the age of the item in mind and deduct a percentage from any settlement amount that you need to claim for this type of item. See your policy details for more information

Accidental damage cover required? Contents only
Laptops covered away from home apple £798
Contents Excess £200

OVER EXPLAINED
Insurers may offer you different cover features, either included in the policy or available for an extra charge.
Contents Cover
The Contents element of home insurance is subject to it’s own excess, and the total excess is comprised of two parts- a ‘compulsory excess’ which is set by the insuer, and a voluntary excess’ which is the amount you agree to pay toward a claim in addition to the compulsory excess.
Excess
The buildings and contents elements of home insurance are each subject to their own excess, and for each the total excess is comprised of two parts – a ‘compulsory excess’ which is set by the insurer, and a ‘voluntary excess’ which is the amount you agree to pay towards a claim in addition to the compulsory excess.
Legal Assistance
Provides cover for legal costs to pursue or defend your case in a wide range of situations, such as personal injury, medical negligence and property disputes. Each insurance company may offer varying levels of cover.
Home Emergency
Home emergency cover offers effective protection, which may not be covered by standard home insurance. Each insurance company may offer varying levels of cover but it might include the likes of central heating, electrical failure, plumbing and drainage problems. Maximum age limits for boilers may apply. Please check with insurer for full cover details.
Buildings Acc. Damage
Buildings accidental damage covers damage to buildings and any permanent fixtures and fittings (such as bathroom suites) caused by incidents of an accidental nature e.g. putting your foot through the ceiling when in the loft, or the breakage of glass in windows or doors.
Contents Acc. Damage
Contents accidental damage covers damage to contents caused by incidents of an accidental nature e.g. spilling paint on a carpet or furniture when decorating.
Personal Liability Limit
The maximum amount of indemnity for personal liability claims.
New for Old Cover as Standard?
New for Old cover will either pay the full cost of repairing damaged items or provide sufficient compensation to replace them with equivalent new items. An exception to this rule is wear and tear of clothing.
DEFAQTO RATING
A standard product providing an average level of features and benefits
*Please note: DEfaqto ratings are based on a standard product without any added extras.
At Gocompare.com, we know that price is important, but you need to buy a policy that has the right level of cover for your requirements. To help you do this, we want to provide you with as much information as possible before you buy.
This is why we’ve partnered with DEfaqto, an independent financial research company who specialize in analyzing and rating the features of financial products. Their star ratings (ranging from 1 to 5, with 5 being the highest) are designed to help customers identify where a policy sits in the market based on the levels of cover that it provides.

John Lewis Premier
About: John Lewis is a partnership, which means that it owns its employees rather than its private shareholders. Its premiere, plus and mandatory home insurance underwritten by RSA (Royal and Sun Alliance Insurance PLC), which are regulated by the Financial Practices Authority.
John Louis Finance offers three main levels of home insurance – essential, plus and premier.
The premier is the most comprehensive form of standard. It includes all the facilities in the form of standard (like the cover of the garden and the cover of the wheel), while these optional additions are necessary with plus and plus policies. The second important difference is that the premiere offers unlimited cover on buildings and materials, while there are limitations on how compulsory and plus you can claim.

Get more information about home insurance & also check out the best deals to get best home insurance cover at cheap price.

Overview:

SUMMARY
Annual Premium: £375.80
Instalments Total: £409.32
+ £34.11 Monthly (x11)
£34.11 Deposit
Contents Total Excess: £350
Cover type: Contents only

INCLUDED FEATURES:

Contents Acc Damage Included
Home Emergency Included
Legal Assistance Included

Cover Level

POLICY FEATURE COVER
Personal liability limit £2,000,000
New for old cover as standard? Yes
Does ‘new for old’ cover include clothing? Yes
Full cover for damage caused by domestic pets Not covered
Cover for loss of freezer contents Unlimited amount
Maximum unoccupancy period 60 days
Claims helpline Yes
Emergency repairs helpline Yes

Contents Cover

POLICY FEATURE COVER
Credit cards cover £1,000
Identity fraud cover £50,000
Loss of keys cover Up to contents sum insured
Theft of keys cover Up to contents sum insured
Mobile phones cover within the home Up to contents sum insured
Digital information cover £5,000
Cover for money within the home £1,000
Office equipment cover £10,000

Outside Cover

POLICY FEATURE COVER
Contents in the open cover £5,000
Contents in outbuildings cover Up to contents sum insured
Theft from outbuildings cover £5,000
Plants in the garden cover £5,000

Charges and Excesses

POLICY FEATURE COVER
Contents excess £350
Escape of water additional excess Not Covered
Accidental damage excess No additional excess
Adjustment fee No administration fee
Duplicate documents fee No administration fee
Cancellation fee No administration fee

Home Protect
About: This summary represents some of the key benefits, exclusions and limitations of this policy. For further information on what is covered please refer to the policy details on HomeProtect’s site. Home Protect has a Defaqto 5 Star Rating. Home Protect had HomeProtect rated 8.5/10 (Great) on Trustpilot.
Overview

SUMMARY
Annual Premium: £541.37
Instalments Total: £600.36
£50.03 Deposit
+ £50.03 Monthly (x11)
Contents Total Excess: £350
Cover type: Contents only

INCLUDED FEATURES:

Contents Acc Damage Included
Home Emergency Included
Legal Assistance Included

Cover Level

POLICY FEATURE COVER
Personal liability limit £5,000,000
New for old cover as standard? Yes
Does ‘new for old’ cover include clothing? Yes
Full cover for damage caused by domestic pets Not covered
Cover for loss of freezer contents £1,100
Maximum unoccupancy period 30 days
Claims helpline Yes
Emergency repairs helpline Yes

Content Cover

POLICY FEATURE COVER
Credit cards cover £300
Identity fraud cover Not covered
Loss of keys cover Cover available at additional cost when buying
Theft of keys cover £750
Mobile phones cover within the home £349
Digital information cover £2,500
Cover for money within the home £300
Office equipment cover £3,000

Outside Cover

POLICY FEATURE COVER
Contents in the open cover £500
Contents in outbuildings cover £1,500
Theft from outbuildings cover £1,500
Plants in the garden cover £1,500

Charges and Excesses

POLICY FEATURE COVER
Contents excess £350
Escape of water additional excess Information not available, please check with insurer
Accidental damage excess No additional excess
Adjustment fee £25
Duplicate documents fee No administration fee
Cancellation fee £50

Insure Wiser
About:
Overview

SUMMARY
Annual Premium: £608.72
Instalments Total: £690.90
£152.16 Deposit
+ £59.86 Monthly (x9)
Contents Total Excess: £300
Cover type: Contents only

INCLUDED FEATURES:

Contents Acc Damage Included
Home Emergency Included
Legal Assistance Included

Cover Level

POLICY FEATURE COVER
Personal liability limit £1,000,000
New for old cover as standard? Yes
Does ‘new for old’ cover include clothing? Yes
Full cover for damage caused by domestic pets Not covered
Cover for loss of freezer contents Unlimited amount
Maximum unoccupancy period 60 days
Claims helpline Yes
Emergency repairs helpline Yes

One Call Insurance

Overview

SUMMARY
Annual Premium: £734.76
Instalments Total: £814.11
£73.48 Deposit
+ £67.33 Monthly (x11)
Contents Total Excess: £200
Cover type: Contents only

INCLUDED FEATURES:

Contents Acc Damage Included
Home Emergency Included
Legal Assistance Included

Quote Line Direct
About:
• UK call centers, 24 hour claims service. Helping our customers for nearly 50 years
• Access to a wide range of policies means we can provide cover to suit everyone’s needs
• £10 voucher each time you recommend Quote line Direct to someone who takes cover with us
• Access details for your policy documents via their online My Policies portal
• Established 1969, online since 1997
HIS POLICY HAS A 4 STAR DEFAQTO RATING*

Overview

SUMMARY
Annual Premium: £706.52
Instalments Total: £830.35
£70.65 Deposit
+ £75.97 Monthly (x10)
Contents Total Excess: £300
Cover type: Contents only

INCLUDED FEATURES
Contents Acc Damage Included
NOT INCLUDED
Home Emergency ) £39.95 extra
Legal Assistance £24.95 extra

Cover Level

POLICY FEATURE COVER
Personal liability limit £2,000,000
New for old cover as standard? Yes
Does ‘new for old’ cover include clothing? No
Full cover for damage caused by domestic pets Not covered
Cover for loss of freezer contents £1,000
Maximum unoccupancy period 60 days
Claims helpline Yes
Emergency repairs helpline Yes

Contents Cover

POLICY FEATURE COVER
Credit cards cover Not covered
Identity fraud cover Not covered
Loss of keys cover Up to contents sum insured
Theft of keys cover Up to contents sum insured
Mobile phones cover within the home Up to contents sum insured
Digital information cover Up to contents sum insured
Cover for money within the home £750
Office equipment cover Not covered

Outside cover

POLICY FEATURE COVER
Contents in the open cover £2,000
Contents in outbuildings cover Up to contents sum insured
Theft from outbuildings cover £2,500
Plants in the garden cover Not covered

Charges and Excesses

POLICY FEATURE COVER
Contents excess £300
Escape of water additional excess Information not available, please check with insurer
Accidental damage excess No additional excess
Adjustment fee £50
Duplicate documents fee £20.50
Cancellation fee £50
Product rating: 4 Star

SUMMARY
Annual Premium: £788.62
Instalments Total: £873.83
£78.86 Deposit
+ £72.27 Monthly (x11)
Contents Total Excess: £200
Cover type: Contents only

Contents Acc Damage Included
Home Emergency Included
Legal Assistance Included
Magnet Insurance Included

Intelligent Insurance
About this policy:
This summary represents some of the key benefits, exclusions and limitations of this policy. Intelligent Insurance has a Defaqto 3 Star Rating. Its rating is quite good and public review is also good. For further information on what is covered please refer to the policy details on Intelligent Insurance’s site.
Overview

SUMMARY
Annual Premium: £989.70
Instalments Total: £1,091.82
£197.94 Deposit
+ £99.32 Monthly (x9)
Contents Total Excess: £350
Cover type: Contents only

INCLUDED FEATURES
Contents Acc Damage Included
NOT INCLUDED
Home Emergency ) £29.95 extra
Legal Assistance £21.95 extra

Cover Level

POLICY FEATURE COVER
Personal liability limit £2,000,000
New for old cover as standard? Yes
Does ‘new for old’ cover include clothing? No
Full cover for damage caused by domestic pets Not covered
Cover for loss of freezer contents £1,000
Maximum unoccupancy period 30 days
Claims helpline Yes
Emergency repairs helpline No

Content Cover

POLICY FEATURE COVER
Credit cards cover £500
Identity fraud cover Cover available at additional cost when buying
Loss of keys cover £500
Theft of keys cover £500
Mobile phones cover within the home Not covered
Digital information cover £500
Cover for money within the home £500
Office equipment cover £5,000

Outside Cover

POLICY FEATURE COVER
Contents in the open cover £1,000
Contents in outbuildings cover £2,500
Theft from outbuildings cover £2,500
Plants in the garden cover Not covered

Charges and Excesses

POLICY FEATURE COVER
Contents excess £350
Escape of water additional excess Information not available, please check with insurer
Accidental damage excess £250
Adjustment fee No administration fee
Duplicate documents fee No administration fee
Cancellation fee £42

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