Hello, I have recently taken out a Home Insurance policy, but I want to ensure that Accidental Damage is covered for Personal Possessions outside of the home...?
I have Accidental Damage Cover for Buildings and Contents, as well as Additional Cover for Personal Possessions.
This is important to know, as my son has a wheelchair, talking device, etc.
Hi @Spartacus100, yes you'll be covered for items when out and about. You can also find this information on your Statement of Fact and policy schedule :)
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Hi @Spartacus100, yes you'll be covered for items when out and about. You can also find this information on your Statement of Fact and policy schedule :)
Thanks for the answer. However, I have checked the documents and I can't find explicit details, that states accidental damage to personal possessions outside the home are covered.
Under the 'Contents' section it clearly states 'Accidental Damage Cover', but nothing specifically about this under the 'Personal Possessions' section.
Sorry, I just need to be absolutely sure accidental damage is covered.
Hi @Spartacus100. If you have personal possessions cover on the policy, then the wheelchair is covered away from home. Any item valued over £2000 needs to be stated on the policy. Under 'Accidental Damage' on your policy, it should show as 'yes'. - Kevin
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