Applies to many types of insurance policies but is often most recognised as cover that is offered under personal insurance policies such as Home Insurance and Caravan Insurance. It provides cover for any eventuality where loss or damage has been caused as a result of an accident. Comprehensive Motor Insurance includes Accidental Damage Cover whereas Third Party, Fire & Theft doesn't.
unintended and unexpected damage caused by sudden and external means. This would exclude electrical and mechanical derangement and the action of insects, moths, vermin and the like. See also accidental damage to buildings and accidental damage to contents.
Unexpected and unintended damage caused by something sudden and external