Should you cover accidents at home?

broken TV
broken TV

Gareth Fuller/PA Archive/Press Association Images

Two in five people in Britain don't have enough insurance to cover all eventualities around the home, while a quarter plumped for the cheapest cover without really paying any attention to what it covered.

Leaving accidental damage off the policy is a tempting way to bring down the cost of cover. The question is whether it's worth the risk.