https://www.ecclesiastical.com/home-insurance/accidental-damage/
Accidental damage occurs from sudden and unexpected damage by an external force. It is also an optional extra, which means it is entirely your choice whether...
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https://www.which.co.uk/news/article/christmas-does-you-home-insurance-cover-accidental-damage-abjNM8B7Rwn5
Data shows spike in accidental damage claim costs during December and January
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