Understanding Accidental Damage

The gifts of fate and trials of misfortune don’t discriminate. Accidents happen whether you live alone, as a couple, or with kids. While no amount of planning can combat what’s written in the stars, the good news is there’s a type of cover available that can help soften the blow.

Accidental Damage is cover for sudden, unexpected and unforeseen damage that might occur to your property or contents. Accidental Damage cover is generally available as an optional extra on standard home and contents insurance policies, but may also be automatically included in higher-value policies, such as our NRMA Insurance Building Plus, Contents Plus and combined Home Buildings and Contents Plus policies.

Generally speaking, you won’t be covered for things like wear and tear, deliberate damage, structural defects, or faulty workmanship. At NRMA Insurance specifically, accidental damage caused by pets is also excluded.

At the end of the day, anyone can experience a little mishap from time to time, it’s just life. That said, if you’re someone especially prone to clumsy moments, or you have some very active kids running around the house, you might have a little extra piece of mind with Accidental Damage cover included in your policy.

When deciding on what kind of cover you need, it can be helpful to consider:

1. who occupies your home
2. the value and importance of the items you have at home
3. your budget and what’s affordable for you
4. other measures you have in place to keep your home and belongings safe. 

From the team at NRMA Insurance, may Lady Luck be on your side, whatever you decide!