J Hatty & Co Company

I was on Radio Ulster recently talking about accidental damage on Home Insurance policies.

It is very important that you consider accidental damage cover. A lady whose home was subjected to a power spike through the mains had accidental damage on her contents but not her buildings, resulting in the insurer paying to replace her consumer electrical items that were damaged in the house but not her electric gates, her outside lighting and hot–tub which were part of the buildings. So it is not just to cover things that you do by accident but also things that you allow to happen by accident, ie: by not having surge protection on electrical items you have accidentally damaged them.

So it is not just to cover things that you do by accident but also things that you allow to happen by accident, ie: by not having surge protection on electrical items you have accidentally damaged them.