123.ie - free accidental damage cover or not?

I've emailed 123.ie to ask them but wondered if anybody else could explain this...

[broken link removed] says:

Is accidental damage covered under buildings insurance?

Yes we offer free accidental damage cover under your buildings insurance for owner occupied properties only.

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But when I fill in their online quotation form I get one quote when I exclude (as is the default) accidental damage and a different one which is c. €40 more expensive when I include it.

Seems contradictory?

Oh - maybe I should have read on?

Is accidental damage covered under my contents insurance?

We offer free accidental damage cover to audio and audio visual equipment up to a limit of €1,300 under your contents insurance with an option to pay a higher amount to include accidental damage cover on all your contents within the home for owner occupied properties only.

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