What does buildings Accidental Damage cover include?

This covers unexpected and unintended damage caused by something sudden or external to the building, fixtures and fittings such as:

- A hole in a ceiling was created through putting your foot through it;

- A tap was left running in the bathroom and water overflowed;

- A pipe was hit whilst carrying out DIY;

- A key snapped in the lock;

- A kitchen surface is accidentally burnt by the placing of a hot pan.

It's important to bear in mind that this does not include wear and tear, gradual damage or mechanical fault.