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Based on resolver’s experience to date, accidental damage is often caused by children! You should contact your insurer if you believe an item has been accidentally damaged, giving full details of the item(s). Broken stereos and windows are usually covered in your policy and your policy can also be extended to cover other accidental damage such as felt-tips on pristine walls! Check your policy carefully as portable electrical equipment like laptops are often not included for accidental damage cover. You can extend cover to include these items, which can be useful if you have young children – but be aware that you have to pay extra for this cover and any no claims bonus that you have accrued will be lost in the event of a claim. Other damage such as that caused by pets chewing you sofa will not be covered. Keep a record and photographic evidence of the damage as it can be used as evidence for your insurance claim.

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.

If you cannot resolve your issue you cannot raise your case to the Ombudsman until 8 weeks after you have first raised your complaint with your supplier, or you have received a ‘letter of deadlock’ from the company stating that they cannot resolve the issue as you have asked. Your complaint must also not be older than 9 months. For an accurate decision by the Ombudsman you should provide a detailed file of your communications and supporting documentation. In addition make sure you explain what you want as an outcome as this will help assess your case.

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