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Average excesses for accidental damage claims have risen 26 per cent to PS166 since 2012, while theft excesses have risen 25 per cent and the cost of fire-related claims has risen 24 per cent, according to research by Go Compare.
Adam Beckett, product director for Aviva UK general insurance, said: "Having more people at home can increase the risk of mishaps around the house and our claims data suggests a relationship between school holiday periods and an increase in accidental damage claims."
"Most home insurance policies, contents or buildings, offer accidental damage cover as an optional extra, for an additional premium," Anders Neilson fromGoComparetold Mirror Money.
The policy also allows the customer to opt for coverage on the structure of the residential apartment or villa for accidental damage due to a covered event at a nominal additional value.
Of the 428 home contents policies on offer, 12% already protect against lost, theft and accidental damage to your handset outside of the home.
He heard nothing for three weeks - then a letter arrived acknowledging that he did indeed have accidental damage cover.
With extended AppleCare+ coverage, benefits include up to two free repairs from accidental damage like drops and access to private customer support agents via chat or phone.
Easy and friendly EMI schemes helps consumer to fulfill their dreams through easy loan payouts and extended warranty and Accidental Damage Protection will ensure hassle free usage, form a part of this scheme.
These new services are Accidental Damage Protection and Trip Cancellation protection to safeguard guests' travel investments.
"While some types of accidental damage are covered as standard, parents should ensure they know what's covered by their policy.