The short answer
Fire is a core insured peril on UK home policies — accidental candle fires are covered. Insurers can decline only on gross negligence (e.g. lit candle left in unoccupied room for hours, or left near combustibles deliberately). Inebriation alone is not gross negligence under English case law.
Frequently asked
- Does smoke damage count separately?
- Smoke and soot damage to contents and decor is covered under the same fire peril, with the same single excess.
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