Am I covered for accidental damage in my home?

What’s included in my building’s insurance?

Your buildings insurance automatically covers:

• Damage to underground drains, pipes, cables and tanks

What about contents insurance?

There is no cover automatically included for accidental damage.

What’s included in my building’s insurance?

Your buildings insurance automatically covers:

•    Damage to underground drains, pipes, cables and tanks

•    Breakages to bathroom fittings

•    Glass in windows and doors

What about contents insurance?

Your contents insurance includes some accidental damage cover as standard, such as:

•    Mirrors

•    Fixed glass in furniture

•    Pictures and ornaments

•    Plate-glass tops on furniture

•    Ceramic hobs

For more peace of mind, you can add Full Accidental Damage Cover

This protects against things like:

•    Mirrors

•    Fixed glass in furniture

•    Pictures, ornaments

•    Plate-glass tops on furniture

•    Ceramic hobs

•    Tobacco burns

•    Water overflowing from sinks

•    Spills on carpets

Want extra protection?

You can add Full Accidental Damage Cover for an additional cost. This includes damage from unexpected accidents, like putting your foot through the ceiling or breaking a window.

If you have an existing home insurance policy with 1st Central and would like to add Full Accidental Damage Cover, you can add this cover online in Your Account at any time during your policy year!

You can also check your policy documents for cover limits and terms.

Struggling to make the change online? We can help!

Alternatively, you can call our Customer Service team. Find our contact numbers and opening hours here.