Their study found that 43% of people do not claim on items, with 37% of these not thinking it worth the hassle, 14% not realising they could and 5% (1.1 million people) too embarrassed to do so.
In addition, people spend on average £130 replacing the item themselves, rather than claiming on their insurance, with men spending £141 compared to women who pay £128.
Direct Line head of household product, Rebecca Clapham, said: “It’s interesting to see that some Brits are too embarrassed to claim for items and would rather replace them out of their own pocket than admit to what the item was or the situation that led to it being lost or damaged.
“Human error is often an unavoidable consequence of our busy lives so it’s perhaps not surprising that so many of us have accidentally broken something or forgot where we put it.
“With the right insurance you don’t need to worry if you spill a drink over your laptop or break your item in an embarrassing scenario.
The study found that the top 10 items most commonly damaged but not claimed for were: