What is considered accidental damage

Accidental damage is physical damage that happens out of the blue and is not done on purpose. There needs to be a one-off, single event that causes the damage. This could be: Dropping and breaking your phone at home.

What is not covered by accidental damage?

Generally, accidental damage cover doesn't include damage caused by: wear and tear. the gradual deterioration of something with age. wilful or deliberate acts.

What is sudden and accidental damage?

Sudden ɪmp; Accidental coverage is tied to a discovery and reporting period, and generally covers bodily injury and property damage caused by a pollution loss. If a claim comes in and is a gradual loss, or is not discovered and reported in the time allowed under the policy form, there is no coverage in place.

Is it worth getting accidental damage cover?

Immediately after the accident, you should call the insurance company and inform them about the damage. Obtain the details of the vehicle responsible for the damage and submit to the policyholder. The incident should be reported within the stipulated time period.