Product insurance - Policy excludes accidental damage

How does Resolver work?

Free forever

Resolver is free. No adverts, no hidden costs. Just raise a case and leave feedback after. Simple! We’ve helped millions of people find a resolution. Get started now and let’s get this sorted.

Know your rights

There’s no jargon in our rights guides. Instead, they’re full of the info you need to get things sorted. We’ll always be on hand with guidance and support to help you get the results you’re looking for.

Get your voice heard

You can be certain that you’re talking to the right person at the right time. We automatically connect you to contacts at thousands of household names, ombudsmen and regulators to find a resolution.

Based on resolver’s experience to date, it would be unusual to receive a policy excluding accidental damage if you had requested it unless you have inputted the wrong details into an online application or had them misheard during a telephone conversation. If your policy excludes Accidental Damage, you should contact your insurer immediately as you may be underinsured. Your insurer may be able to alter your policy (although your premiums may increase). You may be able to cancel the policy if it is within the 14-day cooling-off period offered with insurance although you could incur a cancellation fee so check with your insurer. Don’t ignore the incorrect policy as you could find that you are not covered in the event of a claim. Do be aware of the policy small print regarding Accidental Damage as different insurers have different policies.

If you think the charges you face for including accidental damage in your policy are unfairly high - or if you have had to make a change because of what you think is a mistake on the insurer’s part - you can complain to the company directly. Ask for an address for customer services, and write giving clear details of your case - such as what happened, when, and why you think you have been unfairly charged. resolver recommends that you submit your concern in writing and resolver can assist you in submitting, recording and reminding you when and who to escalate to. As a last resort you can make a complaint to the Ombudsman about the conduct of your insurer. The Ombudsman can order your insurance company to refund costs, and arbitrate between you and your insurer.

Resolver can help you resolve this issue quickly, free of charge and without the hassle. We can also help you with the next step of writing your complaint. Click on the link below to create your email.
You should know
  • If you’re making a complaint about making an insurance claim rather than a mis-sold policy, check your documents to see who the “underwriter” is. You’ll need to make a complaint to that organisation.

No additional information.

Find the best rights for you

We have 5,191 pages of rights advice for you covering 6,983 companies and organisations across 17 public & private sectors. Feel free to browse companies for this specific issue - they're all listed below - but the quickest way to find the best rights for you is by using our unique Rights Finder to access our extensive database of advice.

Start by telling us the name of the company or organisation you have an issue with.

Who do you have an issue with?

Raise it for free via Resolver