I am currently shopping around for quotes to as our house and contents insurance is up for renewal in the next few weeks. We currently have accidental damage included in our policy and I have noticed with the quotes I am getting that it is a good bit cheaper to get one without. This led me to read the list of exclusions on our current policy and it makes interesting reading! Basically, if I am reading it right (the wording is none too clear) the accidental damage excludes:
damage caused by pets; by settlement and shrinkage; by scratching abrading or denting; by faulty workmanship, defective design or use of defective materials; to pottery, porcelain, terracotta, glass or other brittle articles; to photographic, television, radio or other receiving, recording or reproducing equipment; to records, audio, video or computer disks, tapes or cassettes; as a result of tree root action
Which, quite frankly, leaves me wondering, what other type of accident could possibly happen that I would be covered for?! Falling on top of the dining room table while wielding a chain saw I suppose or breaking an armchair by plumping my post-partum bottom on it too vigorously perhaps? Given that we don't own anything particularly valuable and that our excess is €500 and that claiming on the policy is anyway something I would be reluctant to do as it would mean much higher charges for future policies (unless of course there was a significant amount of loss or damage due to flood, fire or theft), is there any point in maintaining accidental damage?
damage caused by pets; by settlement and shrinkage; by scratching abrading or denting; by faulty workmanship, defective design or use of defective materials; to pottery, porcelain, terracotta, glass or other brittle articles; to photographic, television, radio or other receiving, recording or reproducing equipment; to records, audio, video or computer disks, tapes or cassettes; as a result of tree root action
Which, quite frankly, leaves me wondering, what other type of accident could possibly happen that I would be covered for?! Falling on top of the dining room table while wielding a chain saw I suppose or breaking an armchair by plumping my post-partum bottom on it too vigorously perhaps? Given that we don't own anything particularly valuable and that our excess is €500 and that claiming on the policy is anyway something I would be reluctant to do as it would mean much higher charges for future policies (unless of course there was a significant amount of loss or damage due to flood, fire or theft), is there any point in maintaining accidental damage?