When you contact us about accidental damage, we’ll first check what cover you have in place and guide you to the right place to make your claim.

Here’s how it works:

• We check your policy cover

All home insurance policies include limited accidental damage cover (for things like fixed glass and sanitary ware)

Some policies also include extended accidental damage cover, either:

• Built into the policy, or
• Added as an extra

We direct your claim to the right place

If your home insurer already provides cover (either standard or extended accidental damage):

• → We will pass you to your home insurer to continue your claim

If your cover is provided through One Insurance accidental damage add-on:

• → We will handle your claim directly from start to finish