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

CoverPause®

Naked’s CoverPause allows you to downgrade your comprehensive cover to stationary cover on the days that you’re not driving. You can save up to 50% on your premium while still being covered for theft, fire, Mother Nature, or anything else that can happen to your car while it is parked.

1 min read
Definitions

Insurable interest

To have an insurable interest in something means you either own it or would suffer financially if it were damaged, destroyed or stolen. Insurable interest is needed before you can insure an item.

1 min read
Definitions

Malicious damage

Malicious damage is damage caused to one person’s property on purpose by another person. For example, if someone deliberately scratches your car with keys or kicks a dent in your car door.

1 min read