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What counts as accidental damage?

To be covered, the damage must be unexpected and unintentional. Common mishaps such as spills, cracks, and drops are usually included.

Deliberate damage isn’t included, and neither is damage caused by poor maintenance or deterioration over time. 

  • If a football smashes through your kitchen window, accidental damage cover would pay to repair the broken glass.
  • If your ceiling has water damage from a longstanding leak in the roof, you wouldn’t be covered as the damage was caused over time from poor maintenance, not a one-off unexpected incident.

Be prepared for the unexpected. Find the right accidental damage cover for you.

Protect your home and contents against everyday mishaps with accidental damage cover.

What does accidental damage cover?

Depending on your needs, you can add accidental damage cover to your buildings policy, your contents policy, or both.

What is not covered?

Like any form of coverage, there are limits to what accidental damage cover can protect against. Insurers will often reject claims that result from:

  • Deliberate damage

  • Mechanical breakdown

  • Poor workmanship

  • Wear and tear

  • Damage from pets or pests

  • High-value items not listed separately

Benefits of accidental damage insurance

Adding accidental damage insurance has key advantages – particularly for households where accidents are more likely to happen.

  • Covers everyday accidents: Gives you peace of mind against damage from incidents that standard home insurance doesn’t cover.

  • Reduces replacement costs: Reduces how much you need to pay to replace or repair items that are damaged in an accident.

  • Ideal for busy households: If you have children, host lots of visitors, or take on DIY projects, then you might be at a higher risk of accidents occurring and would benefit from adding extra cover to your policy.

How much does accidental damage cover cost?

In August 2026, we gathered several home insurance quotes for a semi-detached house in Dublin 15 to learn what it costs to add accidental damage cover to your policy. 

We found that prices vary considerably between providers, with some quoting €11 to add accidental damage cover and others charging more than €50.

BUILT

1990

ROOMS

2 bed, 2 bath

ALARM

Standard

CLAIMS

Claims-free

  • Buildings cover: €290,000
  • Contents cover: €25,000

Accidents happen. Make sure you’re covered.

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Is accidental damage cover worth it?

For many households, adding insurance for accidental damage is worth the extra cost. It typically adds less than €50 to your premium, and will save you more than that if you’re hit with a hefty repair bill from an unexpected incident. 

It also protects you against the breakages that standard home insurance doesn’t cover, so it gives you a more complete range of protection. 

As always, it’s worth weighing up the costs before making a claim, as that will affect your no-claims discount and may raise your premium at renewal. For smaller mishaps, it can be more savvy to pay for the repairs yourself. But if something bigger happens, you’ll be happy to have the cover in place.

How to add accidental damage cover

Accidental damage cover is usually sold as an optional add-on alongside standard home insurance. It can be added to your contents insurance, buildings insurance, or both, depending on your specific needs.

You can purchase it:

  • When you first buy your policy
  • When you renew your policy
  • During your policy’s cooling-off period (14 days)

Alternatives to accidental damage cover

There are a number of other extras you can add to your home insurance policy to protect your property and belongings, such as:

If an unexpected incident occurs in your home, home emergency cover provides you with access to the tradespeople needed to protect your property from further loss or damage. Unlike accidental damage, it only applies to urgent damage that presents a threat to the immediate security of your home.

If the cost of replacing your phone or laptop is your main concern, a specialist gadget insurance policy will give you more comprehensive cover than accidental damage cover.

If you frequently bring your high-value items outside of the home, adding portable items cover to your policy will keep your valuables safe, wherever they are.

Add accidental damage to your home insurance today

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Who offers accidental damage cover in Ireland?

Several insurance providers offer accidental damage cover in Ireland, including:

Allianz Logo

Allianz Ireland

Aviva Logo

Aviva

Axa Logo

AXA

FBD Insurance

FBD

RedClick Insurance

RedClick

Zurich Life Logo

Zurich

123.ie Logo

123.ie

Frequently asked questions

It depends on the incident. While most accidental damage cover protects against common DIY mishaps like spilling paint on flooring, or drilling through an electrical wire, it usually won’t extend to poor workmanship, faulty design, or large-scale structural renovations.

Yes, making an accidental damage claim will affect your no-claims discount and could raise your premium when it’s time to renew. If you’re thinking about making a claim, it’s worth weighing up the cost of damage, your excess, and the potential increase to your premium to determine if it’s worth it.

No, accidental damage cover doesn’t usually include damage caused by pets. It’s important to read your policy document carefully to be aware of the gaps in your coverage.

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