Most direct insurers usually offer Listed Events only as standard. While it’s cheaper, it can also leave you exposed when something unexpected goes wrong. With a Listed Events policy, your insurance will only respond to specific events, and if the damage doesn’t fall under one of these predefined events, it may not be covered. Accidental Damage provides broader protection. It includes everything covered under Listed Events, plus unexpected, unintended, and unforeseen damage.

Having an insurance broker on your side means you’ve got someone working behind the scenes to make sure you don’t get left uninsured. Insurance brokers track your policy dates for you, follow up more than once, can renew based on existing information, can often reinstate a missed due date and know which covers are too risky to let lapse.