Doing some research as renewal due. Accidental cover, yes or no. Money is tight. Insurer not promoting it, saying not worth it...which makes me worry. Anyone got some pointers please.
I don't think it's worth it either unless it was a huge claim, if you claim anything you will be restricted in switching insurers the following year and screwed by them. I used to always have it but scrapped all the frilly bits and now just go for basic insurance.
I saw recent stats which showed Accidental damage claims accounted for a large % of overall claims (I think around 20%), so you would probably have a higher chance of making a successful claim if you have AD included.