accidental damage• All pipes should be bracketed to avoidaccidental damage.• Most expensive of all is an all-risks policy which also gives wide cover against accidental damage.• The pipes or cables must requirerepair or replacementdue to accidental damage not due to wear and tear.• We found it was more useful in stopping the debarking of trees or accidental damage to shrubs.• The cost of tracing the damage is covered provided there has been accidental damage to the pipes or cables.• PersonalLiability ... Up to £500,000 To cover your legal liability for accidentalinjury to third parties or accidental damage to their property.• Yet another option is to buy a policy which itself covers accidental damage without the need for buying a separateextension.