It can if accidental damage is included. A basic policy may not cover a mishap caused by drilling, cutting or dropping something during DIY.

What DIY accidents cause costly damage?

• Drilling into a pipe.
• Cutting an electrical cable.
• Cracking tiles or sanitary ware.
• Damaging fitted units or flooring.

Checking before drilling or cutting

• Use a pipe and cable detector.
• Think about likely service routes before drilling.
• Use the right length of screw or fixing.
• Use a tradesperson for gas, major electrical work and structural alterations.

Accidental damage is often an optional extra

Not always. Check whether it is included in the policy or offered as an optional extra, and look for exclusions relating to faulty workmanship.