What is considered accidental damage according to Endsleigh Insurance?
Accidental damage cover is almost the same whatever company you use – it basically covers a sudden or unexpected incident that has not been caused deliberately but results in damage to property. So, in this case yes, that is accidental damage. If it had just stopped working then that would be wear and tear, but dropping it is accidental damage. However, you need to make sure that your camera is covered and not named in the list of exclusions, although it is unlikely to be an excluded item. What you have to remember is that your Insurer doesn’t have to replace the camera – they could have it repaired if a repair is possible and financially viable. And you have to pay the excess. It might be worth taking it to a repairer first – if it can be repaired for less than the cost of your excess then it isn’t worth making a claim. If it’s too expensive to repair or irreparable than consider a claim and contact your Insurer. Alternatively, ring your Insurer and discuss it with them.
