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Re: re insurance companies
I've just had a look on the TSB website. It looks like their Home Insurance is underwritten by Aviva (which was General Accident/Commercial Union/Norwich Union). Their 'basic' home contents cover does not include accidental damgae as standard, but as an optional extension. Unless Bruce has the 'Accidental Damage - Contents' extension, I don't think his claim would be covered unfortunately. Obviously it's difficult to comment more without seeing policy documents, but happy to help more if I can - I was an insurance underwriter for many years.
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