Back to blogUpdated · 1 min read

Accidental damage

Accidental damage refers to genuine accidents; where the damage was caused by an unforeseen event that happened unexpectedly and which was not done on purpose.

What’s an example of accidental damage?

Let’s say that you’re washing the dishes while grooving a bit too hard to a few jams, and your phone goes for a swim in the sink. Or it might be that your child kicks a ball in the house sending your TV screen to the ground.

Is accidental damage automatically included in my cover?

Accidental damage is usually not included in contents cover, but rather something you add as an optional extra.

What is not covered by accidental damage?

Even if you have accidental damage included in your cover, some things might still not be covered like:

  • Damage caused by your pets;
  • Defective design or workmanship;
  • General wear and tear; or
  • Damage caused while you were doing repairs or alterations to your home.

It’s best to always carefully check your policy wording to understand what is not covered.

Does Naked automatically cover accidental damage?

At Naked, everything in your home is covered for any weather-related events, theft, and fire. But accidental damage caused by you or anyone living under your roof is not covered unless the item is specified in ‘Items over R5,000’.

You might also like

Definitions

Insurance

Insurance is something that you buy to protect yourself against losses you will suffer if certain things happen to you, like if your car gets stolen, your house burns down or you get sick or pass away.

1 min read
Definitions

Average

Average is when your claim’s payout is reduced by the proportion (%) of how much you under-insured your stuff by.

1 min read
Definitions

Extras & accessories

When you see the word ‘extras’ on your insurance policy, it refers to things that have been fitted onto your car that weren’t part of the car when it left the factory.

1 min read