Covid-19 Working From Home & Home Insurance

Networking News

Covid-19 Working From Home & Home Insurance

Some information from the ABI that may or may not be useful in respect of Home Insurance.

Will my home insurance policy be affected if I have not told my insurer that I’m working from home?

  • Working from home, due to the need to self-isolate should be covered by standard home insurance policies, assuming that the work is clerical in nature.
  • If individuals are working from home and receiving visitors to their home on business matters, they should check with their insurer. In some cases, there may be some restrictions in cover such as loss of money and theft being excluded unless there is evidence of forcible and violent entry to the property.
  • The business equipment used (e.g. Laptop) is likely not covered, however in most cases we would expect the employer to be liable for ensuring their equipment is insured away from the office.

Will home insurance cover the cost of a deep clean to my property should it become contaminated by COVID-19?

  • Most standard home insurance policies do not provide cover for the costs of cleaning a property.  However, there could be some cover in some policies who have Accidental Damage extension on an all-risks insurance policy.  This however will be subject to terms and conditions, for example, some policies only cover visible damage.  People should check with their insurer if they are unsure.

My property has suffered damage (from a fire, flood or other named peril) and its uninhabitable.  I am self-isolating, so will my insurer help me find alternative accommodation?

  • The safety of our customers and the wider public remains our priority.
  • Insurers will continue to provide cover for customers as per the policy wording, including funding the cost of alternative accommodation, whilst acting in accordance with the UK Government’s advice at that particular point in time. This will be managed on a case-by-case basis to ensure that customer interests are best represented whilst acting responsibly and in accordance with the guidelines published by the UK Government.

I have been quarantined or am unable to travel from abroad and therefore my home may be left unoccupied for over the 30 or 60 day limit on my policy.  Will I be covered?

  • Insurers will be taking a pragmatic approach to individuals who are quarantined or stuck abroad and are unable to return to their property within the timescales set out in their policy. However, individuals should contact their insurer to obtain advice on this issue.

Kind Regards
Michael D Bradbury
Associate Director

Related Posts

BNSL - Business Networking South Leicestershire

Exclusive Membership Offer – Website SEO Review

Exclusive Membership Offer – Website SEO Review Martin Ingram from Helios Web Design offers a free website SEO audit to all BNSL members.  Get in touch with Martin with your website address and he will provide you with an assessment…
BNSL - Business Networking South Leicestershire

Martin and Co, Hinckley – January 2017 Newsletter

Martin & Co Hinckley Office 99-109 Castle Street, Hinckley, Leicestershire, LE10 1DA 01455 636349 hinckley@martinco.com Welcome to our January 2017 Newsletter “Happy New Year!! Hello, and here we are entering a brand New Year. Looking ahead, we think it’s going…
BNSL - Business Networking South Leicestershire

Welcome to our Autumn 2017 Newsletter

Welcome to our August 2017 Newsletter There’s been a few changes at Martin & Co recently, but it’s all good. New staff have been taken on including Jan Bates who used to work for Hinckley Real Estate. She’ll be back…
Menu