Accidental damage covers any sudden, unexpected and visible damage which wasn’t predictable and has not been caused on purpose.
Classic examples are spilling a glass of wine on the carpet or knocking over a vase.
You can add this to your policy at any time.
Some of your contents are already covered against accidental damage in your policy, for example, televisions, home computers, and games consoles.
Check the policy wording if you’re not sure exactly what’s covered.