In our latest Flux Explains video, British racing driver and broadcaster Alex Brundle, who is sponsored by Adrian Flux, explains what accidental damage is – and what it isn’t. Here we explain the key questions Alex covers so you know exactly how accidental damage cover works and why it’s worth adding to your policy.
Watch as Alex Brundle explains accidental damage cover
Want a quick explanation of what accidental damage is? Watch Alex Brundle as he physically tests how accidental damage works, or more so, how it doesn’t!
What is accidental damage cover?
Alex defines accidental damage as any sudden, unforeseen mishap that damages your property or your household possessions. It goes beyond standard insurance perils (like fires or floods). Accident damage cover fills the gap left by standard polices, giving you peace of mind that your property and belongings are protected against life’s little accidents.

Who needs accidental damage cover?
The simple answer is: anyone who values peace of mind in their home. The truth is that accidents don’t pick and choose – they can happen to all of us. Accidental damage cover can save you from unexpected repair bills and headaches.
Families with young children or pets, for example, know how easily accidents can happen. Accidental damage steps in to handle those repairs so you don’t have to pay out of your own pocket. Similarly, new homeowners often face a few inevitable problems, like a spilled tin of paint on fresh carpet or a misplaced furniture leg scratching polished floors. Cover for accidental damage means these incidents are sorted quickly and won’t leave you with an unexpected bill.
Adding accidental damage cover is a simple upgrade that gives you real peace of mind. With this extra layer of safety, you can get on with everyday life – including spills, slips and bumps – without worrying about spending extra money for repairs.

Talk to us about accidental damage cover
Ready to include accidental damage cover on your home insurance policy? Just chat to our friendly UK-based team by calling 0808 077 2266 or booking a callback at a time that suits you.