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When would my buildings accidental damage claim not be covered?

One reason that your claim may not be covered is because you do not have the Accidental Damage extension cover on your Buildings policy.
 
If you have chosen this cover, it will be shown in your Insurance Schedule/ Statement of Fact.
 
Common exclusions applicable to Buildings accidental damage extension claims include (but are not limited to) the following:

  • Damage caused by wear and tear or lack of maintenance
  • Poor workmanship or bad design
  • Damage caused by chewing, scratching, tearing or fouling by pets
  • Damage caused by someone that you lend or rent all or part of your home to
  • Damage if the property is unoccupied
 
PLEASE NOTE:
There will be specific and general exclusions that apply to all sections of your policy cover. Please refer to our policy booklets for full details of these exclusions.


You’ll find your Statement of Fact in your online account or your policy confirmation email.

If you’re ready to make a claim, visit online claims.

Manage a home insurance claim

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