We get it, accidents can happen to anyone! That’s why we offer accidental damage cover as an optional extra on our Home Insurance policies. It gives you added peace of mind by protecting you from unexpected mishaps that can lead to costly repairs.
At OUTsurance, we know that accidents happen, and it’s often when you least expect them!
That’s why, at OUTsurance we offer Accidental Damage Cover as an optional extra on our Buildings and Contents Insurance or separately on our Buildings Insurance cover and on our Contents Insurance policy.
This cover gives you extra protection and added peace of mind by safe guarding you against sudden, unintentional damage that’s not typically covered by standard events like fire, flood, or theft.
By choosing accidental damage protection, you’ll be covered for a wider range of incidents – from cracked glass in windows to damaged solar panels, and everything in between.
When you add accidental damage cover to your buildings insurance and contents insurance, you’re protected against these kinds of unexpected mishaps.
If you have buildings cover, we’ll cover accidental damage to the structure of your home - like your walls, roof, fittings, pipes and more. It’s one more way we help you get more OUT of your insurance.
It’s a simple way to protect your space from life’s little surprises leaving you with peace of mind.
We're not here to judge, accidents happen. If they happen to you, we're here to help.
If you have contents insurance, we’ll cover accidental damage to the items inside your home. *T&C’s apply:
We get that sometimes you might need a bit more cover to suit your situation. Which is why, on top of our standard home insurance policies, we offer a suite of optional covers.
We get that sometimes you might need a bit more cover to suit your situation. Which is why, on top of our standard home insurance policies, we offer a suite of optional covers.
At OUTsurance, you always get something OUT. Take advantage of cashback on your home insurance premium, great service, value-for-money prices, and comprehensive home insurance protection.
We are passionate and honest about how we operate. We believe in offering a quality service experience at all times. From car insurance sales to car insurance claims and everything in between, we are a people business that’s here for you.
We will reward your loyalty and claims record with a recurring cash payout that we call the OUTbonus. Get 10% of your insurance premiums (less taxes and levies) back in cash when you hold your policy claim-free for 3 years.* Read terms & conditions.
The OUTsurance Group has 25+ years of experience in business, building a trusted reputation in South Africa and Australia, placing customers at the centre of everything we do. Our insurance policies include an attractive range of features and benefits as standard, with optional covers to suit your needs. Learn more about the OUTsurance Group.
We take the time to learn about you and your unique car usage. We ask a number of questions to ensure we achieve a fair and accurately priced premium for your insurance needs.
We understand that you need us most when things go wrong. That's why we're committed to making the claims process as quick and easy as possible.
We are an Irish-based insurance company located in Cherrywood, Dublin. Our call centre agents will support and assist you with getting the right level of insurance cover.
Switching to OUTsurance could mean savings on your home and car insurance. Hear what OUTsurance customers are saying about their experience.
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Yes, accidental damage cover is worth it if you want extra peace of mind for life’s unexpected mishaps that aren’t covered by standard home insurance.
OUTsurance buildings and contents insurance typically covers major events like fire, flood, or theft. But what about everyday accidents, like:
That’s where an accidental damage policy steps in. It protects you against sudden, unintentional damage to your home’s structure under buildings insurance and your belongings under contents insurance.
If you want that extra layer of protection - it’s a smart, affordable add-on that can save you from costly repairs.
OUTsurance Contents Insurance covers you in the unfortunate event that your most prized possessions are damaged, lost, or stolen. However, this cover does not cover you against sudden, unintentional damage caused by you to your belongings. This is where OUTsurance’s optional extra, Accidental Damage, comes in.
You will be able to find everything that is covered in your insurance policy in your policy documents this will specify the level of cover you have. In the unfortunate event that things go wrong, OUTsurance covers the cost of rebuilding your home, including garages, outbuildings, and permanent fixtures like kitchen units, bathroom fittings, and fitted wardrobes.
However, for an accidental damage claim, this would not be covered. Buildings and contents insurance does not cover you against sudden, unintentional damage that’s not typically covered by standard events like fire, flood, or theft. This is where OUTsurance’s optional extra, Accidental Damage, comes in.
You can find a few simple tips below that could help reduce your home insurance price.
Although there’s an upfront outlay, paying annually tends to work out more cost effective than paying in monthly instalments.
Install burglar alarms, fire alarms and smoke detectors to help manage the risk.
Ensure to shop around and compare home insurance quotes to get the best deal, and the right cover at the right price.
You can find a few simple tips below that could help reduce your home insurance price.
Although there’s an upfront outlay, paying annually tends to work out more cost effective than paying in monthly instalments.
Install burglar alarms, fire alarms and smoke detectors to help manage the risk.
Ensure to shop around and compare home insurance quotes to get the best deal, and the right cover at the right price.
We care about protecting what matters to you. Our contact centre is ready to take your call.
Visit our Contact Us page.
We will own the claims journey. You can trust us to help you get what you need when claiming.
Learn more about making a claim on our Claims page.
Looking to take the next step with your career?
Visit our Careers page to review open roles and apply.
We care about protecting what matters to you. Our contact centre is ready to take your call.
Visit our Contact Us page.
We will own the claims journey. You can trust us to help you get what you need when claiming.
Learn more about making a claim on our Claims page.
Looking to take the next step with your career?
Visit our Careers page to review open roles and apply.
