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Is it accidental?

When it comes to any insurance claim the insurer needs to know what happened and this will define if you get compensated or not.

So when it comes to a problem in the home is it accidental and how do you define accidental? Any accident that happens suddenly, or is caused unexpectedly by a non-deliberate external action which results in harm to your property or its contents is considered as accidental damage.

The cause of damage can be your pet or a visiting God child and you can be sure if there are animals and children around there is great potential for an accident. If they manage to hurt your TV or digi box then that will be covered by your contents insurance. But if you extend your accidental cover it means if your child decides to paint the carpet you are covered.

Also DIY disasters will also come under accidental damage even if they are the standard nail through water pipe type of accident. However cleaning related accidents don't usually qualify under many polices.

General wear and tear you won't get away with so if your Hifi packs up after ten years of use then that won't be covered, but if you drop it accidentally and break it that way then it will be covered.

No matter what comes along be sure that you are suitably covered, if you aren't entirely convinced then call Westhill Insurance who will talk you through all the intricacies of insurance.

This month Westhill is offering 10 per cent off all household policies taken out with them. On top of that, Westhill is also celebrating its 25th anniversary in insurance, and is offering free insurance to some lucky customers. For every 25 policies placed on cover with us, one will be chosen at random and refunded. Please click here and read more.

Westhill Insurance covers bike insurance, car insurance, van insurance, home insurance, business insurance, let property insurance, commercial insurance or even public liability insurance. It is willing to talk with you and come up with a tailor-made deal to suit. In the current climate of financial and insurance crisis Westhill Insurance understands the fear of dealing with a large impersonal, unaccountable organisation and sets itself apart as the broker you can speak to and trust.

For more information on Westhill Insurance or a quote, visit www.westhill-insurance.co.uk or call on 0844 371 7000 Mon – Fri 0900-1730 and Sat 0900-1300.

Posted on 7th October, 2009