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Will accidental damage insurance cover this


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We recently had a little accident with a cleaning product at home on our £300 solid wood beech worktop. We have accidental cover on our home insurance but do you think it will cover this type of damage?

The product was Oven Pride where you put the racks in a plastic bag empty in the cleaning solution in and leave overnight. Unfortunately the bag leaked and went straight through the towel I had but down to protect the worktop.

I know it was silly putting it on the worktop in the first place but I’ve already beaten myself up about that and now need to try and rectify the damage but I’m concerned the insurance won’t cover cleaning damage.

Thanks in advance for any help

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I know it was silly putting it on the worktop in the first place but I’ve already beaten myself up about that and now need to try and rectify the damage but I’m concerned the insurance won’t cover cleaning damage.

 

Thanks in advance for any help

 

Speak to your Insurers to enquire about this. There is an exclusion in most policies about not covering damage caused during the process of cleaning. But that is usually clothes in a washing machine. You were not trying to clean the work surface, so I would think you should be ok. But with the policy excess and future premium increases, you will have to decide if it is worth it, if they accepted the claim.

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Your Buildings cover should cover you for this.

The cleaning exclusion usually applies to the item that you were cleaning. ie, if the racks were damaged then you wouldn't have a claim. However, you were not trying to clean the worktop.

 

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