my understanding is that my family is also insured in Thailand for 3th party liability .
This was a clear accident as we pulled the hood and the cover came loose and fell on the cooking plate .
The cover glass broke indeed however it is the underlying cooking element which got broken also. (the insurance can have the cooking plate if they need it for investigation.
If this policy does not cover accidents like this or damages caused unintentionally by myself or any of family members than please advise another policy an cy with more flexibility.
Also a policy and insurer which has the intention to pay for insured liability and not looking for wording in the policy not to pay out