Accidental damage cover is optional. There are different types of cover and the covers can be added to either buildings or contents or both.
No accidental damage cover – Therefore only the standard events are covered. Although you may be able to add limited or extra accidental damage cover.
Some policies come with limited accidental damage cover which covers accidental damage to cables and underground pipes which carry services to or from the property. It also covers accidental damage to sanitary fittings such as shower glass, toilet pan, etc. There is also cover for accidental damage to fixed glass in the building.
Please note if a pipe just develops an issue and has not been accidentally damaged then the policy does not offer cover for this.
Extra Accidental Damage Cover – This covers any other accidental damage such as being in the loft and putting your foot through the ceiling or something being spilled onto the carpet.