Abbey’s research found that the type of accidental damage caused by different age groups varies. For example, five to 10 year olds were found to be more likely to damage walls and paintwork than their older siblings, and 11-15 year olds more likely to break crockery or glasses.

A further 19% of parents in the South West said they asked their children for reimbursement for damaged household items, compared with 7% of parents in the North West. Those that do not ask their children to pay for damages may

Lloyd Wilson, head of Abbey Insurance, said: “Although it can be expected that children will clumsily damage household items, the cost of replacing damaged goods can come as a nasty shock. It’s worth making sure your insurance policy covers every item in your home for accidental damage.”