What is the typical excess for accidental damage in household insurance?

The typical excess for accidental damage in household insurance is commonly set at £100. This means that when a policyholder makes a claim for accidental damage, they are usually responsible for the first £100 of the cost of the claim. The excess is designed to encourage policyholders to take care of their belongings and to avoid making minor claims that could increase premiums in the future.

Different insurance providers might vary this amount, and while it can be higher or lower depending on the policy specifics, £100 is often considered the standard in many household insurance policies. Therefore, recognizing £100 as the typical excess helps in understanding both how claims are processed and how premiums may be influenced by choice of excess levels.