Standard contents insurance cover normally protects you if you have your possessions stolen or if they are damaged in a fire or by a flood. It doesn’t protect you though, if something happens because of an accident or carelessness.
So, if your toddler gets carried away and crayons all over your cream carpet and sofa; or your daughter’s home dance routine fails and knocks over your vase; or you knock a tin of paint over onto the carpet (grown-ups cause accidental damage too!). That’s where accidental damage insurance for your contents comes in.
Accidental damage contents insurance will pay for a repair or replacement of an item that has been damaged or destroyed by accident at home. If you have accidental damage protection, the insurance company will sort it out.