I am moving out of a property that I am renting through an agent, where I caused accidental damage to the ceramic hob, which is the landlord's. Under Landlord's obligations, my tenancy agreement states that "to maintain a comprehensive insurance policy with a reputable company to cover the Property, and the Landlord's fixtures, fittings, furniture and effects (including carpets and curtains), but not including the Tenant's belongings". A friend of mine in the lettings business advised me that the hob is covered under the landlord's insurance, and I could offer to pay the excess on their insurance. When I had a letter from my agent about the check-out procedure, I was, amongst other things, asked to replace the hob, which they knew had been damaged through a previous inspection. I wrote back and said it was covered by my landlord's insurance and I would be happy to pay the excess. I did not hear anything for a while until my landlord (not the agent) approached me and said he had had a letter from the agent, asking him to claim the hob under his insurance. He was obviously not pleased about this, and the next day I had a letter from the agent, again asking me to replace the hob, as his insurance does not cover tenant damage. I called the citizens advice bureau who have suggested that I ask to see the landlord's insurance policy. I have not heard since. Any ideas and views on my chances of getting some of this covered by my landlord's insurance. I admit this was my damage, although it would not have occurred if it was not for a design weakness in the kitchen: right above the hob is a hood extractor fan, which is covered with a door, inside of which is a narrow shelf for spices. You open that door, and a spice jar falls on the hob, and you have the damage. I don't know if this is relevant. I took up this tenancy before the deposit guarantee scheme was set up. Replacement of the hob would cost me £480, and my deposit was £600. I imagine my landlord is planning not to reimburse any of it. I do understand if the hob indeed is my liability, but if my tenancy agreement places the obligation to insure the fittings on the landlord, and damage by the tenant is included, I don't see why he should not claim on his insurance. Needless to say, I have got no insurance. When I browsed the internet for landlord's insurances, most of them state they cover tenant damage. Can I trust my agent's information (they have lied to me in the past, over accessing the property without my consent). My relationship with the landlord, who moved for retirement, into the property next to me a year after I moved in, has been polite, but he gave me notice while I was on holiday, after 4 1/2 yrs tenancy at the worst time possible, straight after qualifying in a new career, and after having just signed on, and whilst applying for jobs, so it has been a bit tense since. Any views and ideas? Maybe a compromise, some form of arbitration, or if all else fails, how can I be sure that while the agents are still holding my deposit that I would get any of it back after I effect the repair of the hob?