What is Accidental Damage and Malicious Damage by tenants cover?
Discover how our accidental damage and malicious damage by tenants cover can give your rental property further protection.
What is Accidental Damage Insurance?
Accidental Damage Insurance provides financial protection against sudden, unintentional and unexpected physical damage or breakage that has a visible impact. Some features of accidental damage cover come as standard with our Landlords Insurance policy, but you can also buy accidental damage and malicious damage by tenants insurance as an added extra for additional protection.
What is Malicious Damage by tenants?
Malicious Damage, meaning damage caused by tenants with malicious intent, is covered as part of your extended accidental damage and malicious damage by tenants section of the insurance policy. Examples of malicious damage can include tenant damage to property – such as graffiti.
Is Accidental Damage and Malicious Damage by tenants Insurance worth it?
Accidental Damage and Malicious Damage by tenants insurance is a sensible add-on if you’re looking for more cover on top of your standard Landlord Insurance policy. It’s true that when you take out Landlord Buildings Insurance with us, you’ll automatically be covered for accidental damage to underground pipes or cables serving the Building, as well as the accidental breakage of both fixed sanitaryware and fixed glass.
With our Landlord Contents Insurance, you’ll be covered up to £1,000 as standard for the loss of your metered water following accidental damage to the water or heating installations. Our Landlords policy will also automatically include cover for malicious damage by unknown people such as bricks being thrown through a window.
What does Accidental Damage and Malicious Damage by tenants cover include?
For an additional premium you can select Accidental Damage and Malicious Damage Insurance (as additional cover) on top of your Landlord Buildings Insurance policy, giving you financial protection in the event of accidental damage and malicious damage by tenants. This means you can get cover for incidents like banging a nail through a pipe or putting a foot through the ceiling while in the loft.
As an add-on to your Contents Insurance, it can include accidental damage cover for incidents like coffee stains on the carpet (as long as the carpet belongs to you). Limitations and exclusions apply, please refer to the policy booklet for details, before you make an accidental or malicious damage insurance claim.
How to claim on Accidental Damage and Malicious Damage by tenants Insurance
If you need to make a claim call our 24-hour helpline on 0370 900 5565. Call charges will vary. We may record and monitor calls.
Alternatively, you can find out more or get a quote for our Landlords Insurance and you can add accidental damage and malicious damage by tenants cover to your policy.