Or your house insurance will cover accidental damage (as well as theft of your bag on a train/in a cafe, etc). I was delighted when my house insurance bill wen

Or your house insurance will cover accidental damage (as well as theft of your bag on a train/in a cafe, etc). I was delighted when my house insurance bill went down considerably, because my newer Macbook was worth just less than £1000, where the previous one had been just over - meaning it became covered by the policy without a separate declaration, and an additional fee.