DIY disasters, broken pairs of glasses and water leaks are just some of the reasons for making a claim on your home insurance. But just what types of accidents can you claim for?
With LV= Home Insurance, you get a certain amount of accidental damage cover as standard for both your buildings and contents. You can also choose to increase the level of cover with our extended accidental damage cover.
Common accidents include spillages on carpets, drawings on furniture and dropped gadgets. Crayola offer some great advice about how to remove crayon from fabric. Not surprisingly, claims tend to peak during the school holidays.
Not all home insurance policies include accidental damage cover as standard on buildings and contents policies. So if you have a growing family, be sure to check that your policy covers you for the most common types of accidental damage. And even if you don't have children at home, accidents by visiting toddlers and teenagers can happen any time.
Another flash point for accidental damage claims is when you're moving home. We offer cover during the move, but only if you use a professional removal company to transport your possessions. If you're moving the best china, be sure to consider leaving the packing to the professionals. Anything particularly breakable will likely only be covered if it's packed professionally.
Just give us a call before you move to let us know what’s happening. We’ll be able to tell you if your possessions will be covered during the move. If you need to store any items, we also offer 12 months cover for belongings in temporary storage.
If you're moving your best china, It might be worth considering leaving the packing to the professionals. Anything particularly breakable will likely only be covered if it's packed professionally.
To make sure you're not left paying out for expensive repairs or replacement gadgets, here's some final things to consider:
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