Accidental Damage Cover
Add optional Accidental Damage Cover to your Tesco Home Insurance policy. And get more cover for accidents at home.
Upgrade your accidental damage cover
Accidents happen, especially in busy homes. What with kids, DIY projects and everyday life on the go.
Our optional Accidental Damage Cover provides extra protection against all those little mishaps. It can cover both your contents and your building. And that can give you extra peace of mind as well.
What is optional Accidental Damage Cover?
Accidental Damage Cover is extra cover you can add with Tesco Home Insurance.
It provides cover for a range of accidents at home. Like cracking a worktop, spilling paint on the carpet or knocking a vase over.
Our standard home insurance policies cover accidental damage for some things. Optional Accidental Damage Cover adds an extra layer of protection. It covers more items and more types of accidents.
Why add optional Accidental Damage Cover to your policy?
This extra cover can help to protect both your contents and building in case of an accident. If something gets damaged, you'll get help with the cost of repairing or replacing it.
How this cover can help
If you add optional Accidental Damage Cover to your policy, it means:
- More protection than your standard policy. It covers a wider range of situations than standard buildings and contents insurance.More protection than your standard policy
It covers a wider range of situations than standard buildings and contents insurance. - Less worry about everyday mishaps. It could help families, renters with contents cover, and DIY enthusiasts.Less worry about everyday mishaps
It could help families, renters with contents cover, and DIY enthusiasts. - Support when you need it most. If the unexpected happens, we’re here to help you get things sorted quickly.Support when you need it most
If the unexpected happens, we’re here to help you get things sorted quickly.
Who this cover can help
Optional Accidental Damage Cover is especially useful if you:
- have a lively householdhave a lively household
- own fragile or high value items you want to protectown fragile or high value items you want to protect
- do DIY at homedo DIY at home
- want extra peace of mind beyond standard coverwant extra peace of mind beyond standard cover
- are a renter wanting extra protection for your belongingsare a renter wanting extra protection for your belongings
- worry about replacing expensive items if something gets brokenworry about replacing expensive items if something gets broken
What does optional Accidental Damage cover?
Here are the sorts of everyday accidents this cover can help with.
Optional Accidental Damage Cover for contents
This cover can provide extra damage cover for your contents if you have one of these policies:
- Tesco Contents InsuranceTesco Contents Insurance
- Tesco Contents InsuranceTesco Combined Insurance
It includes extra cover for things like:
- spilling drinks or food on sofas and rugsspilling drinks or food on sofas and rugs
- spilling paint on the carpet while doing DIYspilling paint on the carpet while doing DIY
- breaking ornaments, mirrors or furniturebreaking ornaments, mirrors or furniture
- damage caused by children playing or things getting knocked overdamage caused by children playing or things getting knocked over
Cover can help homeowners and renters - if you want extra protection for your home contents.
Contents Insurance for renters
If you rent, our Contents Insurance for renters includes Tenants Liability Cover. This can help with the cost of repairs if you damage your landlord’s fixtures or fittings by accident.
You can learn more in our guide - Tenants Liability cover: a guide for renters.
Optional Accidental Damage Cover for buildings
This cover can provide accidental damage cover for your building if you have one of these policies:
- Tesco Buildings InsuranceTesco Buildings Insurance
- Tesco Combined InsuranceTesco Combined Insurance
It includes extra cover for things like:
- cracked kitchen or bathroom worktopscracked kitchen or bathroom worktops
- damage to built-in units (like fitted wardrobes)damage to built-in units (like fitted wardrobes)
- broken sinks or sanitary fixturesbroken sinks or sanitary fixtures
- internal door damage caused by an accidentinternal door damage caused by an accident
- accidental damage to walls, windows or internal fixturesaccidental damage to walls, windows or internal fixtures
Cover can help homeowners - if you want extra protection for your building, fixtures or fittings.
What’s not covered by Accidental Damage Cover?
Please note, this extra cover doesn’t cover accidental damage caused by:
- petspets
- building work or home renovationsbuilding work or home renovations
Our optional Accidental Damage Cover also won’t cover:
- wear and tear or poor maintenancewear and tear or poor maintenance
- damage caused by poor workmanship or DIY that didn’t follow instructionsdamage caused by poor workmanship or DIY that didn’t follow instructions
- mechanical or electrical breakdown of appliancesmechanical or electrical breakdown of appliances
- damage that happens over time (not a single accident)damage that happens over time (not a single accident)
- items used for business or professional purposes, unless covered under your policyitems used for business or professional purposes, unless covered under your policy
For full details of cover, please see our Home Insurance policy booklet. This tells you about the features, benefits, limits and terms of the policy.
You can learn more in our guide - What’s not covered by your home insurance?
Is accidental damage cover included as standard?
Our Contents Insurance includes:
- accidental damage cover for TVs, laptops and home tech.accidental damage cover for TVs, laptops and home tech.
With our Buildings Insurance, you’re covered for:
- accidental damage to service pipes and cables at your homeaccidental damage to service pipes and cables at your home
Optional Accidental Damage Cover goes further. It covers:
- a wider range of items and different situationsa wider range of items and different situations
If you'd like more protection, this optional cover can give you extra cover - and extra reassurance.
How to add optional Accidental Damage Cover
You can add optional Accidental Damage Cover when you buy or renew one of these policies:
- Tesco Contents InsuranceTesco Contents Insurance
- Tesco Buildings InsuranceTesco Buildings Insurance
- Tesco Combined Home and Contents InsuranceTesco Combined Home and Contents Insurance
You can also add it on later, after you’ve bought your policy, by getting in touch.
Optional Accidental Damage Cover is extra cover and there’s an additional cost.
For new customers
You can add optional Accidental Damage Cover when you get a Home Insurance quote and buy a policy.
For existing customers
If you already have Tesco Home Insurance, please call us. We can add optional Accidental Damage Cover to your policy. And you won’t need to pay an admin fee.
Lines are open Monday to Friday 8am-8pm, Saturday and Sunday 9am-2pm.
If you have difficulties with your hearing or speech, you can contact us through the Relay UK app from BT. Find out how to use Relay UK.
Calls may be recorded.
*This number may be included as part of any inclusive call minutes provided by your phone operator.
Tesco Home Insurance policies
Find the right cover to protect the place you call home. And save money with your Clubcard.
Contents Insurance
Covers the things you own in the house, garage, shed and garden.
Suitable for renters and homeowners.
Buildings Insurance
Covers the house you own, the permanent fixtures inside it, and your garage and outbuildings.
Suitable for homeowners.
Combined Home Insurance
Covers your building and contents in a single policy, which can be cheaper.
Suitable for homeowners.
Home Insurance optional extras
Add optional extras to your Tesco Home Insurance policy. And get more cover to help with the unexpected.
Home Emergency Cover
Choose Essentials or Full Cover. Get 24/7 support and cover for a range of emergency repairs. From plumbing to electrical and security, and more.
Home Emergency cover is underwritten by Inter Partner Assistance S.A.
Personal Possessions Cover
Provides cover for your personal items when you take them away from home.
Bicycle Cover
Provides cover for theft, loss and accidental damage away from home, anywhere in the UK.
Family Legal Guard
Provides up to £100,000 in legal expenses. To help you or your family with personal injury claims, contract and employment disputes, and more.
Family Legal Guard is underwritten by AmTrust Specialty Limited.
Help for Home Insurance customers
Find out how to contact us, make a claim or manage your policy online.
Accidental Damage Cover FAQs
Our optional Accidental Damage Cover can help if you break or damage something in your home.
That could be spilling a drink on the sofa or cracking the kitchen sink. It’s for one‑off accidents that happen suddenly and unexpectedly. It doesn’t cover things getting worn or damaged over time.
Tesco Contents Insurance comes with accidental damage cover for:
- TVs, tablets, laptops and games consolesTVs, tablets, laptops and games consoles
For renters, it also includes:
- Tenants Liability CoverTenants Liability Cover
This can help if you accidentally damage your landlord’s fixtures or fittings.
Tesco Buildings Insurance includes cover for accidental damage to:
- service pipes and cables.service pipes and cables.
Optional Accidental Damage Cover gives you more protection - whether you rent or own your home. It covers a wider range of items and different types of accidents
This can be useful for busy homes where accidents are more likely to happen.
Cover can include damage caused by kids if it's sudden and accidental. For example, if a child knocks over an ornament or breaks a mirror.
Damage that builds up slowly over time isn't covered.
Accidental Damage Cover doesn’t include cover for damage caused by pets.
Our optional Accidental Damage Cover doesn’t include:
- damage caused by petsdamage caused by pets
- wear and tear or things wearing outwear and tear or things wearing out
- poor DIY or bad workmanshippoor DIY or bad workmanship
- damage caused by building work or home renovationsdamage caused by building work or home renovations
- electrical or mechanical breakdownelectrical or mechanical breakdown
- damage that builds up slowly over timedamage that builds up slowly over time
For full details of cover, please see our Home Insurance policy booklet. This tells you about the features, benefits, limits and terms of the policy.
Contact us
Need to talk to someone about your contents cover? Our friendly, UK-based Customer Service team is here to help.
Important information
Tesco Home Insurance is arranged and administered by Tesco Insurance and is underwritten by Tesco Underwriting Ltd.
Home Emergency cover is underwritten by Inter Partner Assistance S.A.
Family Legal Guard is underwritten by AmTrust Specialty Limited.
Before you buy your Tesco Home Insurance online, please read the policy documents to ensure that the policy you select meets your needs. The policy booklet and product information documents outline the benefits, limitations and exclusions that will apply to your cover.
Home Insurance Policy Booklet (1258KB, pdf)
Home Emergency Cover Policy Booklet (269KB, pdf)
Family Legal Guard Policy Booklet (220KB, pdf)
For Home Insurance policies starting on or before 28 September 2025:
Data may be obtained from and shared with the wider Tesco Group, credit reference agencies and fraud prevention agencies on an ongoing basis. Information on how your data is collected and how your personal data is used (including profiling and automated decisions) and your rights under the data protection laws are available to read in our privacy notice.
How we collect and use your personal data
Tesco Personal Finance Ltd and the insurer who may underwrite your policy take the security of your data seriously. Detailed information on how we handle your data and your rights under data protection laws is available in our privacy notice.
We collect data when you browse our website (e.g. your IP address), request a quotation, partially complete a quotation and do not purchase; or provide data indirectly via price comparison sites. We keep quote data for up to 7 years and we may use this information if you apply for a product again in the future.
We will use your data to give you quotes, provide our services to you, perform eligibility checks, work out financial and insurance risk, manage debt, protect you and us against fraud and financial crime and manage and develop our business. Automated decisions may be taken to detect crime and for credit scoring.
We use data such as your name and address, to find any Clubcard(s) that are linked to your address. That might be your Clubcard, the Clubcard of other family member(s), or the Clubcard of house or flat mates. We may use this information to tailor our communications and to try to bring you better terms, deals or offers, and this may include profiling on an on-going basis. We may also award Clubcard points.
Data may be obtained from and shared with the wider Tesco Group, credit reference agencies (CRAs) and fraud prevention agencies (FPAs). The FPAs will potentially use it to prevent fraud and money-laundering, verify your identity and establish your right to UK Residency. Depending on the outcome, this could result in the refusal of certain services, finance or employment. We will supply your personal information to CRAs and they will give us information about you on an ongoing basis.
By proceeding with your application you acknowledge we can use your data in this way.
Please see our privacy notice if you would like to know more.
For cancellation rights and the refunds that apply or for any charges which may apply should you need to make changes or cancel your policy, please view the link below and the cancellation section of your policy booklet.