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Why would my contents accidental damage claim not be covered?
One reason that your claim may not be covered is because you do not have the Accidental Damage optional cover on your Contents policy.
If you have chosen this cover, it will be shown in your Insurance Schedule/Statement of Fact.
Common exclusions applicable to Contents accidental damage extension claims include (but are not limited to) the following:
- Damage caused by wear and tear
- Damage caused by scratches or dents unless they prevent you from using the item
- Damage caused by computer viruses
- Damage if the property is unoccupied
- Damage caused by chewing, scratching, tearing or fouling by domestic animals or pets
- Damage to sports equipment when it's being used
There will be general exclusions that apply to all sections of your policy cover. Please refer to your policy booklet for full details of these exclusions.
Please check your Insurance Schedule/Statement of Fact for any exclusions or limits that might apply, which can be found 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
Bought your Ageas Home Insurance through a broker, partner or intermediary? Please get in touch with them to make any changes to your policy Unfortunately we are unable to help with this directly.
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